ATM fees vary widely depending on where you live, according to Bankrate, which surveyed 10 banks and thrifts in 25 large U.S. markets from July to August.
Though San Francisco may be one of the nation's most expensive cities to live, Bankrate found that the City by the Bay had the lowest average out-of-network ATM fees.
Here are highest and lowest average ATM fees among the 25 cities Bankrate studied:
Highest average ATM fees:
1. Phoenix $5.07
2. Atlanta $5.05
3. Cleveland $4.98
4. Miami $4.94
5. Denver $4.88
Lowest average ATM fees:
21. Boston $4.33 (tie)
21. Philadelphia $4.33 (tie)
22. Los Angeles $4.28
23. Dallas $4.22
24. Cincinnati $3.92
25. San Francisco $3.90
Of course, ATM fees are easily avoided.
"Even smaller banks and credit unions are part of larger ATM networks that won't charge customers fees," said Greg McBride, Bankrate's chief financial analyst.
You can locate in-network ATMs using your bank's website or phone app, McBride said.
If you don't want to hassle with finding an out-of-the-way ATM in your bank's network, you can get cash back by using your debit card for purchases at the grocery store and pharmacy.
Regardless of what you do, expect out-of-network ATM fees to continue to rise, McBride said.