I am one of those people who loves to use my debit card.  It irritates me to no end when I'm at a check out line and someone whips out their checkbook.  But hey that's just me.  I rarely carry cash because I spend it.  But on the rare occasion I do carry cash I get it from my bank's ATM.I always make sure I get cash from the bank or my bank's atm's, luckily they are all over the city, because I cannot stand ATM fees.

However, my husband has a different idea.  It doesn't matter where he's at he usually goes to the closest ATM.  Then the argument ensues.  "Why didn't you got to the bank ATM?"  "There wasn't one close."  "Do you know what kind of services fees you just cost us?" "Oh, yeah."  So $20 in cash ends up costing us $30 after it is all said and done.

So if you are one of those people who uses an ATM constantly and you don't use your bank's ATM.  You are not going to like what is about to happen or in some cases happening in the world of ATM service fees.

Chase, for example, is testing out $5 fees for non-customers.

JP Morgan Chase  is currently testing the $5 ATM fee in Illinois and a $4 ATM fee in Texas -- both for non-customers who use its ATMs

Meanwhile, HSBC Bank USA  this month started charging all non-customers a $3 fee for using its ATMs, saying that this pricing is more competitive.

While other megabanks like Wells Fargo, Bank of America and Citi haven't made similar changes yet, CardHub.com CEO Odysseas Papadimitriou says they're not far away.

(via Want cash from an ATM? Pay a $5 fee - Mar. 16, 2011.)

I have come to the realization, that these national/worldwide big banks will do anything and everything to empty your pockets and drain you of your hard earned money.  Next thing you know they will be charging their customers ATM fees.