bigger than two buildings these days has an ATM
attached to it. Other networks, like Cirrus
, connect most every ATM in the world to each other so that you can withdraw your own hard-earned cash
no matter where you are.
However, a couple of years ago a few banks realized that they were giving out a lot of their machines' cash to people with accounts at completely different banks. Since they had to fork over a lot of money themselves to even have the ATM installed, this was a negative return on investment for them. So they invented out-of-network fees, allowing them to charge anywhere from half a dollar up to three dollars if you're using their machine without using their bank.
They also started charging similar fees to members of their own bank for using out-of-network ATMs. Unlike the aforementioned out-of-network fees, this has no apparent justification whatsoever. Banks are greedy buggers, but then, that's what they're in business for.