The Brief
- ATM fees hit a record high in 2025, with the average total out-of-network withdrawal cost rising to $4.77, the highest since Bankrate began tracking in 1998.
- Atlanta led the nation with the highest combined ATM fees at $5.33, followed by San Diego and Phoenix, both at $5.22.
- Despite rising fees, free checking accounts are stil widely accessible.
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:…