On-chain from segwit address to segwit address: 111 satoshis, or simply a bit over $0.07 at $63,500. LN is anywhere from absolutely no to a couple of satoshis depending upon routing.
https://smartasset.com/checking-account/atm-bank-fees
Bank ATM charges differ based upon your bank and the kind of account you have. A 2017 Bankrate report discovered that that the typical expense for withdrawing cash from an out-of-network ATM reached a record $4.69 this fall. The typical cost ATM operators charge likewise increased to $2.97.
https://www.forbes.com/advisor/banking/checking-account-fees-survey/
Monthly upkeep charges balance $5.14 in 2021 throughout all organization types
So whether you invest cash or simply wait, you’re still being charged.