I HATE how advertising is creeping into every unused inch of space in our lives. But in this case, an ad is definitely the lesser of two evils.

There's a company out of New York called FREE ATM's NYC, and they set up ATM's that don't charge you a fee to take out cash. Instead, you watch a quick commercial on the ATM screen.

In other words, they believe that people HATE ATM fees SO much, they'd rather subject themselves to 30 seconds of advertising. And they might be right.

So far, they've set up a few ATM's and have a couple smaller advertisers signed on. But if they start catching on, you COULD see ads replacing fees all over the country.

But there's still one BIG problem. While the ATM's don't charge fees...They can't stop your bank from charging you a fee for using an out-of-network ATM.