Banks with extra ATM charges?
#1
Original Poster
Join Date: Jul 2001
Posts: 3,975
Banks with extra ATM charges?
In my search of the ATM topic in Canada, I mostly just see airport ATMs mentioned.
Driving from the U.S., entering in the Québec Eastern Townships, I'd like to make an ATM withdrawal using Capital One 360, which indicates no forex percentage. Could bank ATMs add their own extra charges? Cap One has the Allpoint network indicating no extra charges, generally in convenience stores. We'll be entering on a Sunday: do we have much risk of finding machines out of cash?
Driving from the U.S., entering in the Québec Eastern Townships, I'd like to make an ATM withdrawal using Capital One 360, which indicates no forex percentage. Could bank ATMs add their own extra charges? Cap One has the Allpoint network indicating no extra charges, generally in convenience stores. We'll be entering on a Sunday: do we have much risk of finding machines out of cash?
#2
Join Date: Dec 2009
Posts: 306
Most ATMs in Canada do charge an extra fee if you're not a customer of that bank. Fees can be anywhere from $1.50-$8 per transaction.
Most major convenience stores partner with major banks so their ATMs usually don't run out of cash.
If you're a Bank of America customer, you can withdraw funds at Scotiabank without any additional fees.
Most major convenience stores partner with major banks so their ATMs usually don't run out of cash.
If you're a Bank of America customer, you can withdraw funds at Scotiabank without any additional fees.
#3
Join Date: Aug 2000
Location: ZRH / YUL
Programs: UA, TK, Starwood > Marriott, Hilton, Accor
Posts: 7,295
Many of the larger towns in the Eastern Townships (Magog, Cowansville, St-Jean etc.) will have at least one branch of a major Canadian bank with outside ATM. I have never come across an ATM in Canada that had run out of money. Ever.
#4
Join Date: Jul 2010
Location: Surrey, BC
Programs: A few, *G,
Posts: 124
A note about the fee range. Banks tend to cap their fee to $2. The higher rates are from privately owned and operated ATM's. examples are portables at special events, ATM's inside a bar, etc. And a 2nd on the run out of money issue, I've never even heard of that happening.
#6
Ambassador, New England
Join Date: Aug 2001
Location: Maineiac, USA
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Posts: 2,655
A note about the fee range. Banks tend to cap their fee to $2. The higher rates are from privately owned and operated ATM's. examples are portables at special events, ATM's inside a bar, etc. And a 2nd on the run out of money issue, I've never even heard of that happening.
#7
Join Date: Aug 2000
Location: ZRH / YUL
Programs: UA, TK, Starwood > Marriott, Hilton, Accor
Posts: 7,295
#8
Join Date: Apr 2015
Location: YVR
Programs: UA Premier Platinum
Posts: 3,759
There's no such thing as Allpoint in Canada, so you won't find one anywhere. Major bank ATMs charge around $3 for withdrawals, some private operators may charge even more extortionate rates. Very few places in Canada take cash only unless you are heading to a remote area. Have you asked if you can order Canadian cash at your local bank branch before travelling?
#9
Original Poster
Join Date: Jul 2001
Posts: 3,975
There's no such thing as Allpoint in Canada, so you won't find one anywhere.
#10
Join Date: Apr 2015
Location: YVR
Programs: UA Premier Platinum
Posts: 3,759
Go to http://www.allpointnetwork.com/locator.aspx and enter the name of a city in Canada.
#11
FlyerTalk Evangelist
Join Date: Feb 2010
Posts: 13,573
Not sure if you were just referring to the area of Quebec that the OP is traveling to, but earlier this week I was in the Niagara Peninsula in Ontario, and both a CIBC ATM as well as a ScotiaBank one charged $3.00 for ATM withdrawals. And these were at actual banks, not standalone ATMs.
#12
Join Date: Apr 2000
Location: Toronto, Ontario, Canada
Posts: 3,665
The list is mostly Petro-Canada gas stations and 7-11 stores. Both of these have their own pay as you go cell phone plans (PC Mobility and Speakout 7-11) that use unlocked phones, no contract and pay by the minute. And you can use your US cash card.
#14
Original Poster
Join Date: Jul 2001
Posts: 3,975
I'm back from the couple of days in Québec, and was fine using the card at an ATM at a Petro-Canada station in Magog. The display warned of a $2 fee, but it wasn't charged. There were a few occasions on the trip where using a credit card was not an option. I wouldn't think of opening a new bank account for the occasional trip of a few days.