Last year, America’s three largest banks — JPMorgan Chase, Bank of America and Wells Fargo — reaped over $6.4 billion in combined ATM and overdraft fees, according to a study by CNNMoney. Billions of dollars in profit from fees isn’t hard to believe because when you need cash fast, you’ll often make a sacrifice and pay extra at the ATM. In addition to that, some banks tack on a separate fee if you use a non-network ATM.

Find out about the different types of Bank of America ATM fees and how you can avoid out-of-network charges.

Types of Bank of America Fees

Withdrawal fees aren’t the only bank fees you should take note of — a bank can charge overdraft, deposit and even balance inquiry ATM fees depending on its policies. Here’s information about what you’ll pay if you use a BofA ATM.

Bank of America ATM Transaction Fee

Bank of America account holders who use a BofA ATM for withdrawals, deposits, transfers, payments or balance inquiries won’t pay any ATM fees. BofA ATMs will have the bank’s name and logo displayed prominently.

Non-Bank of America ATM Transaction Fee: U.S.

Bank of America account holders who use an ATM in the U.S. that is not owned by BofA will incur a $2.50 fee for each withdrawal, transfer or balance inquiry.

Preferred Rewards Platinum customers who use their BofA debit or ATM card at a non-BofA ATM in the U.S. won’t have to pay the $2.50 fee for one withdrawal, transfer and balance inquiry per statement cycle and will also receive a refund of one fee assessed by the ATM operator for each of the transactions.

Preferred Rewards Platinum Honors customers will receive unlimited fee-free use of non-network ATMs in the U.S. as well as refunds for unlimited fees from non-network ATM operators.

Check Out: Bank of America Review — Online and In-Person Convenience

Non-Bank of America ATM Transaction Fee: International

Bank of America account holders who use an ATM outside of the U.S. that’s not owned by one of BofA’s international partners will incur a $5 charge for each withdrawal, transfer or balance inquiry. A 3 percent conversion fee will also be charged for any money withdrawn.

Bank of America Insufficient Funds Fee

When you use your debit card to make an ATM withdrawal and overdraw your account, you will be penalized with a $35 overdraft fee if you agreed to BofA overdraft practices for that particular transaction.

Bank of America Returned Item Fee

BofA’s NSF or returned item fee is $35. Bank of America does not, however, charge customers a fee when the bank declines an ATM or debit card transaction.

Find and Use Bank of America ATM Locations to Help You Avoid Fees

You can avoid these types of ATM fees by using an in-network ATM if you have a BofA checking or savings account. Locate your closest Bank of America ATM through three different online methods.

• Method 1: Use search engines like Google or Yahoo. Once you type “How to find Bank of America ATMs near me or banks near me” in the search bar, a map of all nearby ATM locations and banks will appear.

• Method 2: Use the BofA online financial center locator. Once you enter your state and city, a list of BofA ATMs will appear.

• Method 3: Download the BofA mobile banking app, which is available from Google Play or the App Store. Once you’ve downloaded the app, you can use the “Find a Location” feature to help you locate an ATM near you, but make sure you’ve enabled your mobile device to allow your current location to appear.

As with most things, preparation is key if you want to avoid ATM fees altogether. Instead of traveling to an unfamiliar area and wondering, “Is there a Bank of America near me or BofA ATM near me?” take the time to find Bank of America locations in advance that will be convenient for you to visit if the need arises.

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This article originally appeared on GOBankingRates.com: How Much Bank of America ATM Fees Can Cost You