That Will Be a Fee: Paying Money to Get Your Own Money
There is a magic trick happening at the ATM, and you are the volunteer. You insert your card to withdraw your own money — money you earned, money you deposited, money with your name on the account — and the machine charges you for the privilege of handing it back.
Not your bank's ATM? That will be a fee from the machine's owner. And a second fee from your own bank, for the offense of using a stranger's machine. Your money gets charged twice to travel forty feet from an account to your hand, a journey shorter than the one it makes when you drop a quarter.