Everything seemed great at first, but it went downhill faster than you could believe. Now you’re stuck at a club and just want to run. Having cash available in your wallet makes catching a cab (your safest option), much easier.

Agree to a time to check in with a friend – If you don’t want to worry about calling someone at a preset time, have them call you.

With ATM fees skyrocketing and mobile banking on the rise, the way we bank is rapidly changing. 

Lauren Turner
Sep, 30, 2014

You know that moment when you're at a restaurant and realize it's cash only, but you don't have any cash? Scurrying to the closest ATM may be your only option. Think twice.

A recent article on CNN Money reveals that ATM fees have jumped five percent in the past year. So when you use an ATM that isn't owned by your bank, on average, it's charging you $4.35 per transaction. 

For some, that seems like a lot of money just to get to your own money. But to others, it all comes with the territory. So we want to know: How do you use ATMs? Do you only use the ones that are owned by your bank? Do you go for convenience and just swipe wherever? Or do you not use ATMs at all and just stay with a little cash on you, always? Take our poll and let us know. 

QUESTION:How do you use ATMs? I only use my bank's ATMs. 78% I go for whatever is closest. 19% I never use ATMs because I always carry cash. 3% Total votes: 222