Bank fees rose for the 15th straight year, with fees for overdrafts and out-of-network ATM usage hitting record highs, according to Bankrate.com.
The average overdraft charge rose 3 percent in 2013, to a record $32.20, Bankrate says. The average cost for using another bank's ATM rose 2 percent, to $4.13—also a record.
"Overdraft and out-of-network ATM fees are the low-hanging fruit in terms of raising fees," says Greg McBride, senior financial analyst for Bankrate.com.
(Read more: How to complain about your bank)
Overdraft fees have risen so far that a recent study by Moebs Services says that it's cheaper to borrow $100 from a payday lender than it is to bounce a $100 check. The median price for a $100 loan from a payday lender is $18, Moebs says.
The fees in both cases are entirely avoidable, McBride says.
Overdraft fees were steepest in Milwaukee, where they average $34.16, and lowest in San Francisco, where they average $27.18.