My name is Laurie McLachlan and I work for PerkStreet.

I wanted to let you know that we do not limit the amount of cash back you can earn – there is no cap.

Also, while it’s true that you don’t see your cash back earnings until after you’ve spent $100, it’s not because you aren’t earning cash back, it’s just because we always show your cash back in whole dollars.

Glad you like the network of free ATMs. We think having ATMs all over the place is better than having a bunch of expensive branches that you may never need to visit otherwise.

I’m glad you’re a customer and I appreciated the chance to hear your thoughts about PerkStreet.

I have 2 bank accounts. One is a Credit Union which is Kinecta, which as many of you know a credit union has a great co-op system. Bank account number 2 is an online only bank called Perkstreet.

I signed up to that Perkstreet for the $100 opening bonus and the 1% cashback on purchases (which is not calculated until you have made 100 bucks in purchases and there is a limit to the cashback, but I digress.)As it so happens, Perkstreet is apart of the STARsf atm network; surcharge free. And those ATMs are EVERYWHERE!; malls, 7-elevens…you name it!.

So after I am done paying myself and bills. I split my play money into 2 withdraw-able stacks (so $400 —> 2 x $200) and put them in these checking accounts and voila! I think I am in the biggest ATM network combined.

Some people tell me this is too much effort but I like to work hard for my money.

It’s a five percent difference, but it is a glaring math error in your headline.

I think I will find a bank or credit union the reimburses me for ATM withdrawls.

And don’t forget…paying off a high interest credit cards is the equivalent of earning that money in some sort of investment…so if you paid off a 25% credit card that would be like earning 25%.

My credit union (Addison Avenue FCU) will reimburse all non-Coop ATM transactions as long as I use my debit card at least 12 times a month, get direct deposit, and get E-statements. The best part is, if I meet all of those requirements, along with the ATM fee rebate, I also get 3.51 APY on my money!

Anyhow, eff paying a financial institution for taking out MY money. I don’t think anyone this day and age should have to pay ATM fees.

But that’s only because I picked a credit union that reimburses me for the fees, and I make sure I never go over that amount.

Before I joined this credit union, I always went into Publix to buy a pack of gum to get cash. In South Florida, you’re never more than 5 minutes away from one anyways.