Yea, ATM fees are a bitch as well and in the UK very expensive. £2.75 to use the machine. ATMs in or outside banks are free to use but the shop ATM is 1 minute from my house and the bank is 10 minutes so.....

For you, using your card is best. Im just thinking back to when my pay came in a small brown envelope and payslip and cash inside 🤑