I agree with you it makes sense. However, just once a month is all I need to get that $400. I get charged by the ATM, charged again by the Convience Stroe its located in and also charges by the bank. It's usually about $6 in fees for every transaction-which is why I hate the limit of $300. If I could go $400? I would only need two transactions per month and then that $6 in fees each time-wouldn't sting so much. I'd rather save that money to put towards something useful-such as anotherIron Cross, or another Infantry Assault Badge yadda yadda yadda ;-) I forgot to mention, I CAN withdraw at least $400-but for some strange reason? I can only do so from an ATM thats located at a bank. My FCU is a "chain" FCU-but there are none located here in Houston, but they do have shared banking but, the nearest bank that my FCU is associated with, is located too far to make going there worth while to save from being charged a fee. Now if I were still living in Corpus, I already know where I can go and not be charged any ATM fees.