You know that moment when you’re at a restaurant and realize it’s cash only, but you don’t have any cash? Scurrying to the closest ATM may be your only option. Think twice.

A recent article on CNN Money reveals that ATM fees have jumped five percent in the past year. So when you use an ATM that isn’t owned by your bank, on average, it’s charging you $4.35 per transaction. 

For some, that seems like a lot of money just to get to your own money. But to others, it all comes with the territory. So we want to know: How do you use ATMs? Do you only use the ones that are owned by your bank? Do you go for convenience and just swipe wherever? Or do you not use ATMs at all and just stay with a little cash on you, always? Take our poll and let us know. 

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