I always give them the option of "free" at their bank or CU. I belong to two credit unions and refuse to pay for anything I don't have to.
If they balk at the fee AND they're physically able to come to me, I lay out this option, as well. One thing I learned while serving credit union members is you give them their options and let them decide. Everyone has the right to choose. Even children get that opportunity: Here are the consequences for A, and for B (there is NO C). Your choice. |