Almost always, IME. The bank may even charge a service fee (to their own customers) on top of whatever fee the guest ATM charges. This probably comes out to no

Almost always, IME. The bank may even charge a service fee (to their own customers) on top of whatever fee the guest ATM charges. This probably comes out to no more than a few dollars, but it does make the option to pay +4% at POS more compelling for small purchases.