Fee to use another institution's ATM
It isn't all doom and gloom on the ATM front. The average fee charged by banks when their own customers use another bank's automated teller machine held steady at $1.25. This remains the lowest since 2002.

The trend of the past few years has been to enhance customer satisfaction by providing free or lower-cost access to nonbank ATMs. However, the fee-friendly policies often debut as a feature of certain accounts, rather than a bank-wide policy, though more banks are now instituting it across interest and noninterest accounts.

This doesn't erase the customer's exposure to the ATM surcharge, so it still isn't the equivalent of a free ATM withdrawal unless the bank has a reimbursement policy in place for ATM surcharges.

Average fee to use another institution's ATM