Cash is King

Cash is king, but you still have to rule over the process.  That means opening a bank account with no charges for using ATM, at least not your bank's ATM, free checking, no hidden fees and no fees to use a teller.  These kinds of accounts are out there.  It just requires research.  If you can't find any, reduce the number of times you go to the ATM.  Plan your budget in advance and withdraw what you need and nothing more.