I suppose we're getting what we pay for: the reason I went to that ATM in particular is that 7-11 is part of my credit union's free ATM network, as well as conveniently on my way home. I like my credit union, but one thing I like is that I didn't have to jump through hoops to find a credit union I was eligible to join, just prove I lived in Washington. I think they have one branch outside Wasington, at a Boeing plant in South Carolina.)