Chase absolutely charges you for using a non-network ATM. I have a friend that has Chase for their bank and will not withdraw from a non-chase ATM even if the ATM has no fees because Chase will just charge him after the fact.
Makes me wonder why he still bothers keeping Chase.
This is my issue. I have and love Apple Music and do not want to pay for another music service. If YT gave me an option for an ad-free YT without music for only like $3 or $5 a month, I’d jump on it. For now, I’ll continue using uBlock Origin and SmartTube.