"I know of at least 3 banks on the east coast
that don't charge ATM fees;" It isn't that easy, there are *two* sets of ATM fees. The first is the fee your own bank may or may not charge. I agree with you--if a bank charges you to withdraw by ATM, get a new bank.
But the second is harder to avoid. The ATM's owner can charge a second "dispensing" fee, and there's nothing you can do about that. If you want to use their ATM, you pay them. Small merchants often make a lot of money this way, charging
$6-10 per use.
If the ATM is in a bank, or part of a network that your bank is a member
of, there may be no fee at all. The question is, how many big networks is your bank part of? That's hard to tell.
And there's at least one small bank that reimburses ATM fees (up to $2 twice a month or something) simply because they have so few locations in their system, but that's really rare.
Bottom line? Big bank, big network, and you need to ask about locations in advance.
Sometimes credit or charge cards are a better way. Some vendors will charge you actual published rates, no surcharges, and process the charges on the same day at that day's rate. Others don't process them until end of month (at whatever the rate is then) and surcharge steeply as well. The only way to find ask, is to ask your card issuer.