Actually, there is a much simpler way. Some shopping malls will accept credit cards for gift certificates. These are sold at the Mall Customer Service center and are good at any store in that mall. Many stores will give you cash back in change for the Mall Gift Certificate.

It can be as tedious as the Gift Card deal. You also need to make sure that the store will give you cash back, some will only give "store gift card". You buy a decent size gift certificate and then make a small purchase and get cash back. I would rather buy a Auntie Annes Pretzel, or a Mrs. Fields Cookie, or an Arby's roast beef sandwich for my $2.00 than just pay the ATM fee.