There is often a 3 dollar fee from your bank + 3 dollars by the bank owning the ATM. Plus, there might be a monthly account fee, or a fee if your account dips below a certain 'minimum' at any time during the month. Plus, American banks do not pay interest unless you have like three thousand or five thousand dollars in your account, and then it's only like 1% or 1 and 1/2 percent. And notice the spread between this and the interest credit card companies charge you (all my info is a couple of years old).
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American banks pay INTREST?
In Sweden you can use your card in every ATM machine nowdays since it is a joint venture.