Paying to get your own cash? Some big retailers charge for cash-back requests, federal agency finds [Video]

Many U.S. retailers offer the option to get cash back when you make a purchase with a bank debit card or prepaid card. But some charge a fee for that convenience.Related video above: Best credit cards with no foreign transaction feesIt certainly can save you time because you don’t need to make a stop at an ATM. And it may save you from having to pay higher, out-of-network withdrawal fees if you’re not near any of your own bank’s cash machines. Bankrate recently found the average combined cost of out-of-network withdrawal fees — which includes the fee the ATM owner charges you and the fee your own bank may charge — is now a record $4.77.But the fee some stores may charge you when you request cash back can really add up over time if you do it frequently. And consumers who live in areas with few, if any, banking …