its why poor people don't use banks. it's expensive.
i thankfully have a bank that has no actual bank buildings (usaa) and they reimburse me up to 10 atm withdraw fees each month. but most people don't have that. i found it ridiculous when (i was with wells fargo and) i went to a non-bank atm that was free, like at some gas stations, and then my own bank was charging me money regarding it.
usurious? lol. the entire banking system is usury. they make money from nothing. the f**k banks...
worse than the atm fee is the overdraft fee. banks don't offer short term loans, except for one: an overdraft is essentially a short-term loan, and if it had a repayment period of seven days, the APR for a typical incident would be over five thousand per cent
http://www.newyorker.com/business/curre ... ing-a-bank