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Two, I don't know if I'm the only one who finds myself at like, a liquor store at 3:30 in the morning withdrawing $380. Am I the only one?
Well, you know, you get hit with these huge, like $5, $10 withdrawal fees that make me boil and rage. Schwab actually refunds all your ATM fees.
So I really like them for that, especially if you live in like a New York area.
Listen to native speakers pronounce “refunds” as a verb in real conversational contexts with synchronized timestamps and subtitles.