The Brief

New data reveals that accessing money from a checking or savings account keeps getting more expensive if using an out-of network ATM.

When a consumer uses an ATM that’s not in their bank’s network, there are two charges that can result. The ATM owner may impose a surcharge, while the consumer’s own bank may also charge an out-of-network ATM fee.

Bankrate conducted the study among 10 banks in each of the 25 largest U.S. markets between June and July 2025.

ATM fees climb

By the numbers:

The data found that the average total ATM fees continued their climb to $4.77 this year, reflecting an increase from $4.73 last year and the highest annual amount since Bankrate began tracking ATM fees in 1998.

This includes the average surcharge of $3.19 levied by ATM-operating banks, plu

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