Your Bank,First Bank,charges You $1

Your bank,First Bank,charges you $1.50 every time you use an ATM that is not owned by them.Unfortunately,there is no First Bank ATM near your school.There is a Second Bank ATM in the Student Center,which you use several times a week to withdraw $10 at a time for lunch,video games,etc.What is the best piece of advice regarding these transactions?

A) They will make it hard to balance your account since these transactions won't show up on your monthly statements.
B) They're OK as long as you enter the transactions in your check register.
C) Avoid them since you are effectively paying 15% interest to access your cash.
D) Make sure you have overdraft protection on your account.