Make You Feel Wanted?

This is why banks are not your friend and you keep your money possibly there at your peril.

It also tells you that negative interest rates and cumbersome government regulations are strangling  bank profit margins. So that leaves you to pass the make-up costs onto.

That unplanned stop at the ATM might be costing you more than you think.
The average fee of using an out-of-network ATM is now $4.57, according to Bankrate. This is the tenth straight year of increases.

That means that you'll pay 9% in fees for withdrawing $50 from an out-of-network ATM.
"Paying the fee every once in a great while isn't going to make or break you, but it's the habit of routinely paying these types of fees that is going to put you in the poor house," said Greg McBride, chief financial analyst at Bankrate.

 money.cnn.com/2016/10/04/pf/atm-record-fees

The fees differ by region.

Here are the cities with the lowest average ATM fees:
San Francisco $3.90
Cincinnati $3.92
Dallas $4.22
Los Angeles $4.28
Boston $4.33
Philadelphia $4.33
And the cities with the highest:
Phoenix $5.07
Atlanta $5.05
Cleveland $4.98
Miami $4.94
Denver $4.88