"We all know it often costs money to get your own money at an ATM machine; but now, you might have to pay up when you don’t get money. Let me introduce you to a fee you've probably never heard of -- the 'ATM denial fee.' Rejection, it turns out, can be costly. Some banks are sneaky; their ability to slip itsy-bitsy fees onto your monthly statement proves their creativity knows no end. The death-by-a-thousand-cuts draining of our bank accounts happens relentlessly -- $3.00 check enclosure charge; $2 out-of-network withdrawal fee; $10 for dipping below a minimum $1,000 balance for an afternoon; $13 for new checks. One of those fancy free checking accounts can easily cost $50-$100 a year. But the denial fee is a new entrant into this game, or at least, it is new to me and many industry insiders. Bank of America, on the other hand, says it's old hat. Either way, here's how $1.50 leaked out of my checking account for money I didn't get, and how it might be leaking out of your account too."