On-chain from segwit address to segwit address: 111 satoshis, or just a bit over $0.07 at $63,500. LN is anywhere from zero to a few satoshis depending on routing.
Bank ATM fees vary based on your bank and the type of account you have. A 2017 Bankrate report found that that the average cost for withdrawing money from an out-of-network ATM reached a record $4.69 this fall. The average fee ATM operators charge also increased to $2.97.
Monthly maintenance fees average $5.14 in 2021 across all institution types
So whether you spend money or just save it, you’re still being charged.