HSBC refunds ATM fees, which is nice since they don’t have many ATMs in North America. Then I realized I can get by without using ATMs at all unless I’m traveling out of country.
In Australia and the UK there are no fees for withdrawing from a bank ATM (independent ATMs can still charge fees).
IMHO this is superior to the bank refunding you. It doesn’t cost the bank $2+ to allow you to access your own money from a different ATM, it’s just rent seeking.
In America and Canada, ALL ATMs are scams with exorbitant fees except for the customers of the bank of that ATM.
The whole "Sorry, we're cash only, but there's an ATM in the back" is ubiquitous.
When I moved to Europe in the mid 2010s I was shocked that I could use my bank card to withdraw cash from any other bank without fees.