Slapping in more fees

The study also found that the total average cost for using an ATM rose to $3.81, from $3.74, the year before.

You can still use cash without a fee.

"Customers will only be charged the fee if they use their debit cards for purchases in any given month, said Anne Pace, a Bank of America spokeswoman. Those who only use their cards at ATMs won't have to pay."

Many of Bank of Americas accounts charge you a monthly fee if you withdraw cash from within the bank, using an ATM not associated with BoA gives you a fee. Cashing a paycheck without a bank generally costs 1% of the check or $5 depending on where you go.

The only way to have an all cash existence with a BoA account is to go to the bank, stand outside, and use THEIR atm. Assuming they're not ass hatting with a fee of their own for ATMs.