My oldest daughter (in her forties, so definitely old enough to know better!) and her husband overdrew their checking account. They now have an additional $66 in overdraft charges.
Because both of them were withdrawing $20 at a time from ATM's that did not service their bank.
So, maybe they use an obscure bank that doesn't have a lot of ATM's?
Nope. They bank with Bank of America.
They got lazy and just headed for the nearest ATM. Worse, they did not pay attention to the $2 "foreign ATM" fee. $2? No big deal, right? Well, not when it overdraws one's account! Not when subsequent checks bounce and incur more fees.
My poor daughter is getting no sympathy from me.
Only once in my life have I ever used a "foreign" ATM, and that was a really, really foreign one in Japan. It still made me unhappy to pay the fee. (Not to mention the additional $3 "foreign currency" fee my bank also tacked on.)
There are some minor expenses I am constitutionally unable to stomach--ATM fees being one of them. I will go out of my way to find an ATM that doesn't charge me extra or is connected to my bank.