All of the following are ways to avoid ATM fees EXCEPT

The correct answer is d. Withdrawing money from your savings account instead of your checking account.

Explanation: Withdrawing from either account may incur fees if you use an out-of-network ATM. However, options a, b, and c are indeed effective strategies to avoid ATM fees. For instance, avoiding out-of-network ATMs directly prevents fees, finding a bank that reimburses fees gives you a refund on any ATM fees, and using a debit card for purchases can eliminate the need for cash withdrawals entirely.