ATM fees suck. Rather than shell out an extra $3 every time you want to access your own cash, use this simple trick: dash into your local grocery or big box store, snatch up a Hot Wheels die cast of your choice for less than a buck and ask for cash back. The bank won't charge you a penalty, and you get your money and a shiny new toy.

Here's an extra tip. Most stores have a maximum withdrawal of around $40. Need $120? Grab three Hot Wheels and purchase each of them with separate transactions. Pull the maximum cash back with each buy and you're set. Magical.