[Margaret Pilkington]

I will not use an ATM that charges me for accessing my own money.

I suppose we have to be thankful that the banks do not charge more for their services. I have spent quite some time in Oz and was horrified to hear that the banks charge for the use of ATMs.....well, most banks allow you something like 10 transactions per month.....after that you are charged.
If I lived out there permanently I would store my money in my sock (and walk a bit funny). See, I told you I was in training to be a Scottish Jew! (with sincere apologies to both of those)