The U.S. Cities With the Highest ATM Fees

If you're wondering where your money is going, check your bank statement. Chances are, you've been wasting money on ATM fees.

ATM surcharges, on average, cost customers $3.09, according to a study by Bankrate. The fees vary depending on whether you're using an ATM outside of your bank's network, or where you are when drawing the money.

How much you're charged at the ATM also depends on where you live. Bankrate's study surveyed 10 banks and thrifts in 25 large U.S. markets. They also gathered information about interest-bearing and non-interest-bearing checking accounts and details regarding ATM and debit card fee policies. This is how all of the cities ranked for the highest ATM fees.

Photo: Shutterstock

1. Houston
1. Houston

Cities With the Highest ATM Fees

1. Houston

Average total ATM fee: $5.58

Photo: Shutterstock

2. Atlanta
2. Atlanta

2. Atlanta

Average total ATM fee: $5.50

Photo: Shutterstock

3. Detroit
3. Detroit

3. Detroit

Average total ATM fee: $5.27

Photo: JKPhotogenic / Shutterstock

4. Chicago
4. Chicago

4. Chicago

Average total ATM fee: $5.14

Photo: Shutterstock

5. Philadelphia
5. Philadelphia

5. Philadelphia

Average total ATM fee: $5.11

Photo: Marco Rubino / Shutterstock

6. Washington, D.C. metro
6. Washington, D.C. metro

6. Washington, D.C. metro

Average total ATM fee: $5.00

Photo: Shutterstock

7. Tampa, Fla.
7. Tampa, Fla.

7. Tampa, Fla.

Average total ATM fee: $4.97

Photo: Shutterstock

8. (Tie) Pittsburgh
8. (Tie) Pittsburgh

8. (Tie) Pittsburgh

Average total ATM fee: $4.96

Photo: Shutterstock

8. (Tie) Phoenix
8. (Tie) Phoenix

8. (Tie) Phoenix

Average total ATM fee: $4.96

Photo: Shutterstock

10. Cleveland
10. Cleveland

10. Cleveland

Average total ATM fee: $4.90

Photo: f11photo / Shutterstock

11. Baltimore
11. Baltimore

11. Baltimore

Average total ATM fee: $4.87

Photo: Shutterstock

12. Denver
12. Denver

12. Denver

Average total ATM fee: $4.81

Photo: Shutterstock

13. New York
13. New York

13. New York

Average total ATM fee: $4.64

Photo: Tupungato / Shutterstock

14. Milwaukee
14. Milwaukee

14. Milwaukee

Average total ATM fee: $4.63

Photo: Shutterstock

15. Kansas City, Mo.
15. Kansas City, Mo.

15. Kansas City, Mo.

Average total ATM fee: $4.58

Photo: Tupungato / Shutterstock

16. Miami
16. Miami

16. Miami

Average total ATM fee: $4.50

Photo: Shutterstock

17. Dallas
17. Dallas

17. Dallas

Average total ATM fee: $4.44

Photo: Shutterstock

18. San Francisco
18. San Francisco

18. San Francisco

Average total ATM fee: $4.41

Photo: jejim / Shutterstock

19. San Diego
19. San Diego

19. San Diego

Average total ATM fee: $4.40

Photo: Shutterstock

20. Cincinnati
20. Cincinnati

20. Cincinnati

Average total ATM fee: $4.30

Photo: Shutterstock

21. Boston
21. Boston

21. Boston

Average total ATM fee: $4.29

Photo: jiawangkun / Shutterstock

22. (Tie) Minneapolis
22. (Tie) Minneapolis

22. (Tie) Minneapolis

Average total ATM fee: $4.25

Photo: Shutterstock

22. (Tie) St. Louis
22. (Tie) St. Louis

22. (Tie) St. Louis

Average total ATM fee: $4.25

Photo: Shutterstock

24. Seattle
24. Seattle

24. Seattle

Average total ATM fee: $4.21

Photo: Shutterstock

25. Los Angeles
25. Los Angeles

25. Los Angeles

Average total ATM fee: $4.15

Bankrate's study also found a few other trends in bank fees, mainly that they continue to rise. Here's more of what they learned:

Photo: Shutterstock

Overdraft Fees
Overdraft Fees

Another way to waste your money? Overdraft fees. The average overdraft fee is $33.36 in 2019. In 1998 it was $21.57.

Photo: Shutterstock

Checking Account Fees
Checking Account Fees

Fees for interest-bearing accounts rose to $15.05, which is more than twice the amount non-interest checking account holders pay ($5.61).

Photo: Bumble Dee / Shutterstock

Account Deposits
Account Deposits

More money is needed to open a checking account. Customers opening a non-interest checking account deposit $162.94, on average, compared with $574.57, the average opening deposit for an interest-bearing account.

Learn more about this study at Bankrate.com.

Photo: Shutterstock

Advertisement