Um, not to contradict your main point, but I've *never* kept a bank account that charges me to use its own ATMs, and for the past many years if have an account with any bank on the SUM network (which is almost any bank except Bank of America) and you use any ATM on the SUM network, you don't get charged anything. So if you're getting charged for ATM use, you're either choosing to pay for the convenience of using *this* ATM rather than looking for one a block away, or you could get a better account.