Is it worth it to use an ATM machine that requires you to pay a fee to both the owner of the machine and to your bank? In the past, people didn’t see these fees as any big deal. The convenience of having money in hand made people overlook the fees. But today, people are fed up. The number of transactions per ATM machine have fallen by about two-thirds. There are more machines out there, but the number of transactions have declined by 30 to 40 percent in the past few years. As a result, banks are offering discounts on the fees. Clark saw one when he was in Montana recently. There was a sign on the ATM that said, “99 cent ATM fee,” which is less than the typical $2. If you need money desperately, try to go to an ATM that is offering a discount. But if you can avoid it all together, that is your best bet. Paying fees at an ATM is like throwing money into the wind. There is no benefit for you. Just train yourself to get money often, not on the spur of the moment. When you see your bank's ATM, stop and get money, even if you don’t need it right away.