Pay a Fee
However, this central fact of ATMs has become a great marketing device for the banks, as well. "It's one of the ways the big banks tell consumers how lucky they are to be banking with them," Luria says. "If you're with another bank, and you pay Bank of America a $3 fee, then you might decide to go with Bank of America."
Though the issue of regulating ATM fees crops up in legislation from time to time, Luria says that fees have remained stable or even increased in recent years.