NEW YORK (8/10/11)--A Yahoo! Finance contributor's article on "How I Avoid Paying Bank Fees" writes that credit union ATMs are one of the ways she avoids fees. Tal Boldo noted that "with banks competing for my business, I have plenty of opportunities to avoid paying bank fees. Adopting good financial habits is usually all it takes" (finance.yahoo.com Aug 8). "I asked my credit union for a list of ATM machines in my area that won't charge me a withdrawal fee. The list included the names of affiliate credit unions as well. I use these ATM locations only and as a result never pay a withdrawal fee," she wrote. Her 10 tips also included advice about fees for paper statements, overdrafts, cash back, balance transfers, late payments, credit card interest, checking accounts, annual credit card fees and returned checks.