when on the road and in need, I just hit a wal-mart.

find the cheapest thing at the checkout and get whatever cash back I need (I would imagine you can do this at a target as well), it's always cheaper than the most reasonable ATM fee.

but that seldom happens because I, like the others here, get the money before I leave.

much of my planning habits come from using a bank with only 2 branches across the entire area I live and move around in so it's "out of my way" just for local needs.