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How much is an ATM fee?The average ATM surcharge rose to $2.97, from $2.90 last year, a 13-year high. The average fee charged by a consumer's own bank for using an out-of-network ATMrose three percent to $1.72. And the average total cost of an out-of-network ATMwithdrawal is $4.69, up from $4.57.OctYour bank's non-network fee: Your own bank may also charge you a "non-network" ATM fee for using an ATM operated by another bank or institution. These charges will typically cost between $2.00 and $3.50, depending on your bank and the tier of service you're enrolled in.So, being Canadian, I have to first speak to the Canadian side of things, so, here goes:Home - Canada.caATM feesFrom: Financial Consumer Agency of CanadaOn this pageTypes of ATM feesATM fees you may need to payInformation you must get about ATM feesWhen you don’t have to pay ATM feesTips to save when withdrawing money from ATMsTypes of ATM feesThere are different automated teller machines (ATM) fees you may need to pay.Regular Account FeeService charge imposed by your financial institution to withdraw money at any ATM. A service package offered by your financial institution often covers this fee.Network Access FeeThe fee charged by your financial institution when you withdraw money at an ATM that your financial institution doesn’t own. Your financial institution adds this fee to the regular account fees.Convenience FeeThe fee charged by privately-owned ATM operators and by financial institutions where you don't have a bank account.Your financial institution adds the convenience fee to the:network access feeregular account feeATM fees you may need to payYou may need to pay a fee when using automated teller machines (ATMs).Table 1: Comparison of ATM feesWho owns the ATM you're withdrawing money fromRegular account FeeNetwork access fee to the INTERAC or other networksConvenience fee(charged by another financial institution or a private operator)Total transaction costYour own financial institution$0 to $2.00$0 to $2.00A financial institution where you’re not a customer$0 to $2.00$0 to $1.90$1.00 to $4.00$1.00 to $7.90A private operator$0 to $2.00$0 to $1.90$1.50 to $5.00$1.50 to $8.90Last modified: June 2016Note: Financial institutions such as banks or Caisse Populaires don’t own white label machines. White label machines are independently owned and operated.InstitutionsThe fees in Table 1 are from a survey of Canadian financial institutions.These include:Alterna BankAlterna SavingsBMO Bank of MontrealCIBCDesjardinsHSBCLaurentian BankNational BankRBC Royal BankScotiabankTD Canada TrustVarious credit unionsInformation you must get about ATM feesWhen you open a bank account at a federally regulated financial institution, it must give you information about all charges applicable to the account, including ATM fees.Learn how to open a bank account.When you don’t have to pay ATM feesThere are some fees you may not have to pay.For example, some credit unions are also members of THE EXCHANGE network. This is similar to the INTERAC network. Members of THE EXCHANGE network don’t charge customers of other member institutions convenience fees. However, network members may charge their customers a network access fee for using THE EXCHANGE network.Check with your financial institution to see what fees you’ll have to pay.Tips to save when withdrawing money from ATMsConsider the following when usingATMuse your own financial institution's ATMs whenever possible to avoid extra fees when you withdraw cashfees can add up quickly when you use an ATM that your financial institution doesn’t ownstay within your monthly transaction limit by making fewer withdrawals from ATMsconsider how much cash you need to carry and if you could use your debit card for in-store purchases because you’re not usually charged a fee when paying by debit in-storenote that if you use a credit card for a cash advance at an ATM, there may be additional feesask for cashback from merchants that offer this service at no chargeWith a cash back, an amount is added to the total purchase price of a transaction you pay for with your debit card. You get that amount in cash along with your purchase.And elsewhere:Bank ATM Fees: How Much Are They and How Can You Avoid Them?Liz Smith MAY 08, 2018When it comes to accessing your various bank accounts, ATMs offer a big convenience. This is especially true when you bank with an institution that offers thousands of ATMs all over the world. According to data from the World Bank, there were around 47 ATMs per 100,000 adults in the world in 2016. Despite their geographic convenience, using an ATM can actually cost money, depending on your bank and the ATM you use.What Are Bank ATM Fees?Bank ATM fees are just one of the many bank fees you can face. Usually, your bank won’t charge an ATM fee when you use a bank-branded machine. However, if you use an ATM outside of the bank’s network, you’ll likely face an ATM fee. This includes withdrawals, deposits and balance inquiries. This kind of ATM fee is often a flat dollar amount rather than a percentage of your transaction.Unfortunately, out-of-network ATM transactions usually trigger two fees. First, your bank will charge you a surcharge for using a non-network machine. Second, the ATM operator will also charge a small fee. You’ll typically see this fee pop up on the ATM before you complete your transaction. While you can’t always avoid this fee, using another bank’s ATM will often be cheaper than a non-bank ATM.Coughing up a couple of dollars to use an ATM in a cash emergency is a small price to pay. However, it’s important to avoid paying these fees too often. They can easily add up and end up taking a chunk out of your savings, even if you have the right savings account. If you want to withdraw money from an overseas ATM, a whole other set of foreign transaction fees come into play.Average Bank ATM FeesBank ATM fees vary based on your bank and the type of account you have. 2017Bankrate report found that that the average cost for withdrawing money from an out-of-network ATM reached a record $4.69 this fall. The average fee ATM operators charge also increased to $2.97.When it comes to what your bank would charge for using an out-of-network ATM, the average fee was $1.72. This was also a new high, up 3% from last year. These fee bumps mean a trip to the ATM could cost you more than you would expect. Choosing your bank and bank account wisely can help you avoid high fees.Which Bank Has the Cheapest ATM Fees?Luckily, some banks do charge well below the average in ATM fees, often waiving or reimbursing fees. For one, Capital One offers free access to both Capital One and Allpoint ATMs. If you can’t use one of these thousands of ATMs, Capital One still won’t charge you for using a foreign ATM.Consider EverBank, too, which reimburses you for unlimited ATM fees as long as you maintain a minimum balance of $5,000 in your Yield Pledge® Checking Account. That may seem like a steep amount to keep in your checking account. However, it’s a good deal considering the bank doesn’t have a large network of ATMs. Plus, EverBank offers some of the highest savings account interest rates in the industry.Citibank, the fourth-largest U.S. bank, offers account holders access to more than 60,000 fee-free domestic ATMs. It also waives out-of-network ATM fees for students, Citigold, Citi Priority, and other high-end account holders. The bank even has ATMs in more than 20 countries abroad, making it easy for customers to take a trip. The same high-end account holders also get to avoid the bank’s 3% foreign exchange fee.Last but certainly not least, Charles Schwab offers a great option for jet setting, ATM-wary customers with unlimited ATM reimbursements worldwide. The bank doesn’t even charge its own ATM fees. Charles Schwab may not provide the highest savings rates, but free ATMs all over the world is a pretty solid deal.Which Banks Have the Highest ATM Fees?Some of the top banks do still charge ATM fees. In fact, these fees can be quite high at some banks. Big players like Citizens Bank, PNC and TD Bank all charge $3 for out-of-network ATM use. Premium accounts with these banks can get you out of paying these fees, but you often have to meet certain requirements like account minimums.Santander Bank also charges $3 for most customers but provides a slight discount to student account holders. Take a look at the table below to compare various banks’ ATM fees.Money Market RatesBankAccountOut-of-Network ATM FeesAlly BankAll accountsReimbursement up to $10Bank of Internet USARewards Checking, CashBack Checking, and Essential CheckingPlatinum Checking and Golden CheckingFirst CheckingUnlimited domestic reimbursementDomestic reimbursement up to $8Domestic reimbursement up to $12Bank of the WestAny Deposit CheckingPremier CheckingUnlimited worldwide rebates$2.50Capital One 360360 Checking and MONEY$0ChaseTotal Checking, College Checking, and High School CheckingPremier Plus CheckingPremier Platinum Checking$2.50$2.50, four free transactions per statement cycle$0Citizens BankOne Deposit CheckingPlatinum Checking and Platinum Plus Checking$3Four waived fees per statement cycleComerica BankAll accounts$2.50Dime Community BankAll accounts$0EverBankAll accountsUnlimited reimbursement with $5,000 minimum balanceFifth Third BankAll accounts$2.75 for U.S. transactions$5 for international transactionsNavy Federal Credit UnionFree Active Duty Checking®Free EveryDay CheckingCampus Checking and e-CheckingFlagship CheckingReimbursement up to $20 per statement cycle$1Reimbursement up to $10 per statement cycleReimbursement up to $10 per statement cycle with direct depositPNC BankPerformance SelectPerformance SpendVirtual Wallet®$0$3, reimbursement for 2 transactions$3Regions BankAll accounts$2.50, two free transactions per statement period with LifeGreen Preferred Checking®SantanderSimply Right® CheckingSantander® Premier Plus CheckingStudent Value CheckingSantander® Basic Checking$3$0$2$3Suncoast Credit UnionAll accounts$1.50SunTrust BankBalanced Banking and Essential CheckingSelect CheckingSignature Advantage©$3$3, two free transactions per statement cycle$0SynchronyAll accountsDomestic reimbursement up to $5TD BankTD Simple CheckingTD Convenience CheckingTD Premier CheckingTD Relationship CheckingTD 60 Plus CheckingTD StudentChecking$3$3$0, reimbursements with$2,500 minimum daily balance$0, reimbursements with$2,500 minimum daily balance$3$3Union BankPriority Banking®Ready to Go® Checking, Banking By Design® and Teen Access®$0$2U.S. BankSilver Checking, Easy Checking, Student Checking, and Safe DebitGold CheckingPlatinum Checking and Premium Checking$2.50$2.50, two free withdrawals per statement cycle$0How to Avoid Bank ATM FeesThough you can’t do much to control ATM fees, you can still avoid them or seek out cheaper options. For starters, it helps to avoid using out-of-network ATMs. While you can’t predict when you’ll need cash in a pinch, having cash on hand for emergencies can help. You can even choose the cashback option when you buy your groceries. If you need to withdraw cash from a foreign ATM, perhaps you can withdraw as much money as you can. This makes the fee more worthwhile and you won’t have to keep withdrawing cash. It helps even more to choose a bank that won’t charge you an astronomical rate for using an ATM. An account’s ATM fee shouldn’t be the main reason you choose the account, though. You still want to make sure the rest of the account fits your lifestyle.If your bank does charge ATM fees, locate an ATM both near your home and near your work. Using your bank’s own ATMs is the only way to ensure you won’t incur extra ATM charges. Most banks have an ATM locator on their website or app. You can also check the back of your debit card or with a bank representative to see if your bank is part of an ATM network, like Global ATM Alliance, MoneyPass or Allpoint. This widens your access to even more fee-free options. Finally, you can even try to go entirely cashless, using electronic ways of making payments and transferring money.Bottom LinePaying a fee to access your own money can be extremely frustrating. However, this system allows banks to make some profit in an increasingly cashless world. You may even see ATM fees continue to rise over time as operators adjust to keep their ATMs running. In any case, to avoid overpaying, you’ll want to double-check your bank’s ATM fees and policies. That way, you’ll be prepared for foreign ATM fees and you’ll know what actions to take to avoid them.Tips for Managing Your MoneyBank ATM fees are just one charge among many that you need to keep an eye out for. Banks charge fees for balance minimums, paper statements, and even account inactivity. It’s important to be familiar with the fees your bank charges to avoid any surprises.It can also help to prepare for these kinds of surprises with a good savings account. While you don’t want to deplete your savings just to cover bank fees, having a savings account is always a good idea. It can help you save toward expenses like retirement or a down payment on a house.

I think that many who have answered this question have talked about the actual GDP numbers and this is fine. But what really needs to be addressed is how to attain 3% or better annual GDP growth.I remember Pres. Obama telling people in a town hall meeting in 2016 that some jobs are not coming back to America, and he didn't know what magic wand candidate Trump could wave to bring companies and jobs back to America. He also said that these jobs were never coming back to America and that 2% annual GDP growth was the new norm. Well, this is one reason Trump won. It never entered Pres. Obama's mind that maybe, just maybe reducing onerous regulations on business and reducing our corporate tax rate by 40% would be a big factor in inducing companies to return to and invest in America again...and this is exactly what has happened since the Trump tax cuts. Pres. Obama knew or understood nothing about how businesses run or work.On Jan. 26, 2018, a month after the Trump tax cuts were signed into law, CNBC (hardly a conservative network) reported what numerous companies planned to do with the reductions in tax cuts. Here, Pres. Obama, is the "magic wand" you were looking for and Pres. Trump delivered. I quote from CNBC:Want to know what companies are doing now that corporate taxes have been slashed? We've got you covered.Below is a list of S&P 500 companies that have announced bonuses, wage increases or other special investments based on the lower tax rate.CNBC will update this list as more companies announce their plans.Check out the list below:NameTickerPlan/StatementAflac AFL Increase 401(k) match from 50% to 100% of first 4% of employee contribution, $500 one-time contribution to every employee's 401(k) plan, offer free hospital and accident insurance products, increase U.S. investment by $250 million over 3 - 5 years.Alaska Air ALK $1,000 bonus for 23,000 employees and $118 million in incentive bonuses.American Airlines AAL $1,000 bonus to all team members (excluding officers) at "mainline and wholly owned carriers" first quarter of 2018""Altria Group MO One-time $3,000 bonus to 7,900 non-executive employees, donate $35 million over next three years to philanthropyAnthem ANTM Contribute $1,000 to the 401(k) accounts for each of its more than 58,000 associates and recent retirees.Apple AAPL Repatriate billions in overseas cash.AT&T T $1,000 bonus to more than 200,000 U.S. employees, invest additional $1 billion in the U.S. in 2018.Bancorp South BXS $10 million investment in employeesBank of America Corporation BAC One-time $1,000 bonus for U.S. employees earning up to $150,000 per year – about 145,000 teammates.BB&T BBT One-time $1,200 bonus for about 27,000 employees, raise minimum wage from $12/hour to $15/hour, donate $100 million to philanthropic fund.Boeing BA $300 million committed to charitable giving, workforce development, and workplace facility enhancements.Charles Schwab SCHW $1,000 bonus to around 9,000 non-executive employees last year, “anticipating the tax law change and in response to the company’s strong financial performance.”Chipotle CMG One-time $1,000 bonus to qualified employees, one-time stock grant to qualified employees, additional paid parental leave, additional insurance coverage for hourly managers.Cigna CI Raise minimum wage to $16/hour, additional $15 million in salary raises mostly for front line employees, additional $30 million to 401(k) matching, invest in Cigna FoundationCitizen's Financial Group CFG One-time $1,000 bonus to around 12,500 employees.Comcast Corporation Class A CMCSA $1,000 bonuses for more than 100,000 workers, hire thousands more employees, invest over $50 billion in infrastructure.Comerica CMA One-time $1,000 bonus to 4,500 non-officer employees, raise minimum wage to $15/hour.CVS Health CVS Increase minimum wage to $11/hour starting in April. Invest $425 million annually in wages and employee benefits.Discover DFS One-time $1,000 bonus to more than 15,000 non-executive employees.Disney DIS One-time $1,000 cash bonus for more than 125,000 employees.Express Scripts ESRX Bonuses of $500 to $2,000 per employee based on tenure - for $20 million total, additional $30 million to employee education fund and philanthropy.Exxon Mobil XOM $50 billion in new U.S. investments over the next five years.FedEx FDX Invest over $200 million in pay raises, “about two-thirds of which will go to hourly team members, contribute $1.5 billion to pension plan."Fifth Third FITB One-time $1,000 bonus to 13,500 employees, raise minimum wage to $15/hour.Home Depot HD One-time cash bonus up to $1,000 for U.S. hourly associates in the fourth quarter of fiscal 2017.Honeywell HON Increase 401(k) match to maximum 7 percent in the U.S., Canada and Puerto Rico.Humana HUM Increase minimum wage to $15/hour, allow employees to take part in performance-based incentive program starting this year.J.M. Smucker SJM One-time $1,000 bonus to nearly 5,000 employees, additional $20 million to employee pension plan, additional $1 million to charity.JPMorgan JPM Hire 4,000 employees and open up to 400 new Chase branches, increase minimum wage to $15 to $18/hour for 22,000 employees.Kansas City Southern KSU One-time $1,000 bonus to qualified, non-executive employees in the U.S. and Mexico.Lowe's LOW Up to $1,000 bonus to more than 260,000 employees, expand maternity and parental leave benefitsMarriott International MAR Additional one-time contribution to retirement savings plans, structured as a $5-to-$1 company match of up to $1,000.Marsh & McLennan Cos MMC One time $1,000 bonus to employees earning $55,000/year or less, U.S. employees earning below $16/hour to receive a pay raise to $16/hour.MetLife MET Increase minimum wage to $15/hour, increase life insurance benefits, increase 401(k) matching, expand company-paid legal servicesM&T Bank MTB Increase minimum wage to $14 to $16/hour, depending on geography.Northern Trust NTRS Award employees one week's base salary up to $1,000.PNC Financial PNC $1,000 bonuses for about 47,500 employees in first quarter of 2018, raise minimum wage to $15/hour by year end.Regions Financial RF Increase minimum wage to $15/hour - affecting around 25% of workforce, contribute $40 million to foundation, increase capex budget by $100 million for 2018.Southwest LUV $1,000 cash bonus on 1/8/18 to all fulltime and part-time employees, incremental $5 million in chartible giving""Travelers Cos TRV $1,000 bonus to 14,000 employees with base salary less than $$75,000, increase minimum wage to $15/hourTyson Foods TSN One-time $1,000 bonus to eligible full-time employees and $500 bonus to eligible part-time employees, invest in employee education and training, invest in sustainability and animal well-being.UPS UPS Invested $5 billion in pension plans, will invest $7 billion in Smart Logistics NetworkU.S. Bancorp USB $1,000 bonus to nearly 60,000 employees, raise minimum wage to $15/hour.Verizon VZ Employees other than top management to receive 50 shares of restricted stock.Visa V Hike 401(k) match to 10 percent from 6 percent.Walmart WMT One-time cash bonus of up to $1,000 to eligible employees"Washington Federal WAFD Employees earning <$100k will get 5% increase on top of normal merit increase, unspecified investments in training and development.Waste Management WM Allocate $2,000 to every North American employee not in a bonus or sales-incentive plan - around 34,000 employees.Wells Fargo WFC Raise minimum wage to $15/hour, target $400 million in 2018 philanthropic contributions.Zions ZION Increase compensation of more than 40 percent of employees, $1,000 bonuses to nearly 80% of employees this year, contribute $12 million to charitable foundation.https://www.cnbc.com/2018/01/26/us-companies-that-have-announced-bonuses-investments-after-tax-cut.htmlEnd of quote.Pres. Obama...this is how you stimulate the economy, create jobs, and eventually get past the anemic 2% average annual GDP you presided over. Reducing taxes on corporations never entered Pres. Obama’s mind because he cared less about economic prosperity than he did about fairness…and Pres. Obama stated in a 2009 interview with ABC News that he cared more about fairness than increased revenues through tax reductions!