In Brazil, banks such as Banco24Horas, Citibank, Bradesco, Banco do Brasil, Caixa Econômica Federal, Itaú and Santander operate their own nationwide ATM networks. These ATMs can be found in many locations such as the bank branch itself, kiosks spread throughout a city or even supermarkets, gas stations, shopping malls and post offices, making it very convenient for the customer to make withdrawals and check balances without incurring any fees. There are also no denial fees (i.e. when trying to withdrawal more money than what's available in an account) as Brazilian businesses cannot charge for services not rendered.