If your bank is charging you an ATM fee for POS debit transactions, get a new bank. The only time they should hit you for an ATM fee is when you withdraw cash from an actual ATM.
I've been banking with Wachovia for time out of mind, and they've never annoyed me nearly as much as many other banks I've dealt with over the years. And they certainly don't charge me an fee for POS transactions -- in fact, I've been known to go buy something from the grocery store or drugstore just to get cash back and avoid the ATM fee if I'm not near a "home" ATM.
When I paid the overdue portion of my electric bill by phone, using my card as a debit card, my credit union charged a 25-cent transaction fee. But I haven't used my card as a debit card in a store in a very long time (nor have I ever made a habit of it), so my assumptions about the fee may well be mistaken. If an actual standing-at-the-point-of-sale POS transaction is treated differently, as folks here are suggesting is the case, I'll find out on my next statement.
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I've been banking with Wachovia for time out of mind, and they've never annoyed me nearly as much as many other banks I've dealt with over the years. And they certainly don't charge me an fee for POS transactions -- in fact, I've been known to go buy something from the grocery store or drugstore just to get cash back and avoid the ATM fee if I'm not near a "home" ATM.
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I'll ask Breno about the gas station thing, because AFAIK he always uses his debit card in credit mode.
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