For a few years now I've had a TMB passbook account with an ATM card. I usually try to use the TMB ATMs as the other banks usually charge a fee (from 20 baht to 50 baht). However, the other night I was need of some cash and as there were no TMB ATMs around I used a Siam Commercial Bank ATM. In the past, SCB, have always charged 20 baht, but this time there was no charge. I tried again another night with the same result. So my question is, are the two banks merging, or have all the Thai banks come to an agreement not to charge customers of other banks (I have only tried SCM so far)? Anyone know?