Nothing is more annoying than absolutely having to get cash and then being forced to pay a $3 surcharge just to get your money out of the nearest ATM.

The new 'ATM Hunter' app developed my MasterCard not only finds nearby cash machines, it also allows you to drill down by bank so you can find fee-free ATMs.

Using the iPhone's GPS, 'ATM Hunter' allows you to filter your search based on the following ATM features: drive through, 24 hr service, wheelchair accessible, surcharge free, and deposit sharing.

See - not all iPhone apps mindless time wasters. Some actually save you money.