Many consumers, in an effort to avoid ATM fees, take cash withdrawals during point-of-sale transactions at grocery stores or other retail establishments. While this may be a savvy way to avoid withdrawal fees, you should know that point-of-sale terminals generally won't warn you if you're about to overdraft and trigger an even larger fee on your account. Unlike an ATM fee of just a few dollars, overdraft charges can often be as high as $39.