Depends... I just use my check card anyway... even BoA did away with their card fee there.
They must have gotten jacked on that one.
That's what I try to do. When using my debit card, if I think I'm going to need cash, just get it while I'm buying something at Lowe's, etc.
For us there's no excuse, but others may have to pay regardless of when or where they get the money.
Of course, they could just switch banks so.....yeah....it's their fault. I agree.