I took out $100 from an atm yesterday and as I did not have a bank ATM available, I had to pay $3.00 to get my own money . Watch the fees go up when you finally HAVE to pay by card . Remember the banks said NO FEES when bankcard first came out . When we were paid in cash , the banks used to offer incentives for us to deposit our money with them . Now , they charge us for everything . Deposit and loan interest rates only used to be a couple of interest points apart , and the banks were profitable . Look at the difference in interest rates now