Not for me, either. BECU in Washington state. In fact, they reimburse my fees from out-of-network ATMs, so more flexible than a bank -- I can use the crummy ATMs in the corner in the 7-11.
From reading the text, I speculate that Franklin was alluding to the preexisting saying as well -- alluding to the cat in the dark as an accepted axiom.
I agree. But nobody cares. You must be as old as I am.