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My wife and I recently bought a camper we pull with our van. At first, we only considered the cost of the camper as being our high expense item. It turns out we had to add an entire towing system to our van, costing us an additional $1,000. We thought we could handle everything on our own and do it all for less money, but we were very wrong.

The same principle applies to ATM programs. Many credit unions feel they can do it all in-house and save a great deal of money. However, it rarely works out that way. Why?

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