I used to get my money from an ATM. But when I started to PAY MONEY TO GET MY OWN MONEY, I stopped. Do you remember the first time that happened? I remember when it went to $2.00. I thought, 'I'm paying my bank money to get my money. MY MONEY! And they make money off of my money, too.

$4.52 is what the average American is forking over this year for each time he or she uses an ATM that isn't part of their bank.

The $4.52 is a sum of what your bank and the ATM owner collectively charge. That new average out-of-network fee is up 21% in five years.

Part of the reason why it's costing more is because ATM owners are losing money since it's easier to get money for free from places like grocery stores, when you make a purchase with a debit card.

Debit-card withdrawals from ATMs in general have fallen 41% in the last decade; we're doing an average 2 withdrawals per month, compared to 3.4 in 2005. (Newser)

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