We understand that the banks need to make a buck too.

We expect to pay fees for this and that — after all, they hold onto our money until we need it and then they’re making our money available to us at the corner ATM. And sometimes our personal bank ATM isn’t in the area, so some other friendly bank will agreeablly offer to connect us to our money.

Oh, sure. It’s all done instantaneously and electronically and without human interaction. Only a few zeros and ones are moving around and bingo! In a few seconds, the little machine makes that clickety-whirr sound and we have our cash.

Sure. That’s worth something.

But wait just a doggone second. Five bucks to get twenty in cash? That seems, well, a bit steep. And it turns out that Atlanta leads the nation in ATM charges for out-of-network charges, according to a study by Bank.rate.com.