All told, the average fee for using an out-of-network ATM has vaulted 23% the past five years. It has notched a new high for eight years in a row, according to Bankrate.
The firm surveyed the 10 largest banks and thrifts in 25 large U.S. markets.
The average ATM fees vary across the markets in Bankrate's survey. Phoenix had the highest average fee for users of ATMs outside their bank's network at $4.96 per transaction. Cincinnati had the lowest average at $3.75.
Philadelphia had the highest average overdraft fee at $35.80. San Francisco had the lowest at $26.74.
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The largest U.S. banks all offered free checking with no strings attached until 2009, when the share of all non-interest checking accounts that were free peaked at 76%, according to Bankrate. It's now at 38%; that's unchanged from last year and only slightly lower than 39% in 2012.
Even so, consumers looking for checking accounts without monthly fees have plenty of options. Many credit unions, smaller community banks and online banks offer no-strings checking accounts.
Many banks that do charge a monthly fee will often waive it if the account holder has their paycheck deposited directly into the account.