I hardly ever use cash machine - the nearest one now (used to be two a couple of miles away but they have been taken out) is a 14 mile round trip. As I mentioned earlier, at the beginning of each month - in fact the first Thursday, because the nearest bank only opens on Thursdays - I draw out enough cash to last the month - usually a bit left over so goes in the pot. If I miscalculate and run out, I get 'cash back' from the local Co-op
Mike