A Citi shareholder making a withdrawal from the ATM on 86th and Lexington would pay the equivalent of 3 shares of Citi in ATM fees. The fee is $3 while Citi shares traded around $1 for most the day. To put it differently, Citi gets a capital injection from each ATM transaction that is three times as valuable as issuing new shares.

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(Picture courtesy of Urban Digs via BankerGoneBroke.)