Americans spend billions of dollars a year on ATM junk fees. First, people are charged by the machine they choose and again by their own bank. It’s led to a clash between big banks and smaller banks and credit unions. Big banks have the advantage because they have ATMs and branches all over towns, making it very convenient for customers. Smaller banks and credit unions don’t have many branches so people are forced to use other ATM machines and incur fees. But things are looking up in that department for people banking with smaller institutions. Some are starting to offer free withdrawals at any ATM. Or, if you are charged, the small bank or credit union will pay you back. If you are a member of a small bank, ask if there is a “fee-free” option. And keep an eye out for mailings, telling you more about the offering.