Gone are the days when ATM users didn't care about finding their bank's ATM, as they could withdraw money from the very next ATM they saw without paying any extra charge. The scheme of free usage of third-party ATMs was introduced only in April this year. RBI has now agreed to the demand of the Indian Banks' Association (IBA) to cap the free usage of third-party ATMs to Rs 10,000 per transaction and just 5 times per month. Banks claim that unrestricted usage results in overuse, leading to excess operating cost.