Though carrying around cash is increasingly becoming an outdated habit, there are still times in life when a debit card, credit card, or a digital wallet payment simply won’t suffice.

On those occasions when it’s still necessary to withdraw cash from a bank account, whether it’s to tip a service provider or give your child allowance, the last thing you want to do is pay an ATM fee simply to access your own money.

The good news is that there are plenty of ways to avoid these annoying charges, particularly if you plan ahead. We asked banking and personal finance experts from around the country how to avoid wasting another $3 to $6 just to withdraw money.

1. Stay away from out-of-network ATMs.

This should be a no-brainer, but one of the simplest ways to avoid paying a withdrawal fee is to stick to your own bank’s ATMs whenever possible.

“If you belong to a large bank,…

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