Don't pay ATM fees!

Now, I'm sure most of you are more organized than I am, and you solve this problem the easy way: by always having extra cash around if you need it. But since I use my credit card for almost every purchase, I don't carry much cash in the first place. And while I try to keep some emergency cash in my bag, I always forget to replenish it after I've used it. As a result, it's not entirely rare that I find myself in the situation I was in last Tuesday: I needed cash, and was nowhere near an ATM for my bank. There was a different-bank ATM nearby, of course, but I shuddered to think of paying $3+ in fees, and I thought, "There must be a better solution."

After a few minutes of thought and searching, I spotted a CVS across the street. 5 minutes and a $0.99 package of on-sale candy later, I walked out with $35 in hand. When you're stuck, see if you can find a place to get cash back with your debit card! That 99 cents was already way cheaper than the ATM fees, even disregarding the fact that the chocolate was something I needed anyway. (What's that you say? No one needs chocolate? Clearly you have not been to my desk at work at about 2pm...)

You should watch out for debit-card fees, though. Check and see if your bank charges you for doing a pin transaction on your debit card (mine doesn't, but I hear it's a growing trend). But you'll probably still come out ahead, since ATM fees are just awful, especially when you get double-teamed by your bank and the ATM's bank.

Any other useful ideas like this?