--- title: This Chart Shows How Insane ATM Fees Have Gotten in the Last 19 Years description: People are taking cash out from banks outside their network at a slower rate authors: - name: Mahita Gajanan url: https://money.com/author/mahita-gajanan/ at_money_since: 2017 articles: 53 covers: - Banking - Business - Career Advice - Credit Cards - Economy and Politics - Housing - Identity Theft - Investing - Lifestyle - Personal Finance - Shopping - Taxes social: - https://x.com/mahitagajanan former_staff: true published: '2017-10-03T13:04:07.000Z' modified: '2024-05-16T12:44:06.000Z' section: Banking tags: - ATM fee - onetime word_count: 197 canonical: https://money.com/atm-fees-all-time-high/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Barclays to cut investment bank jobs](https://img.money.com/2017/10/gettyimages-526663884.jpg) *The Barclays sign peeks out behind a JPMorgan Chase bank in Midtown in New York on Tuesday, April 28, 2015. Barclays Plc announced that it will cut investment bank employees in London, New York and Asia to boost earnings and to increase investor confidence. (�� Richard B. Levine) (Photo by Richard Levine/Corbis via Getty Images)* ATM fees are at an all-time high — and it's not because the cash machines are seeing an increase in customers. A [new report from Bankrate](http://www.bankrate.com/banking/checking/checking-account-survey/) finds that bank ATM fees for customers using machines at banks where they don't have an account have had an average annual increase of 4.7% over the last 19 years, with current transaction fees averaging at a record high $4.69. The fee increase comes because fewer customers are taking cash out from banks that are out of their network, Bloomberg reports. "It keeps getting easier to avoid the fees, and people are transitioning away from cash," Bankrate chief financial analyst Greg McBride [told Bloomberg](https://www.bloomberg.com/news/articles/2017-10-03/atm-fees-are-out-of-control). "With fewer people making out-of-network ATM withdrawals, the cost of maintaining that network is being spread over fewer transactions." ![](https://img.money.com/2017/10/avg-atm-fees-1024x914.png) The highest average ATM surcharge fees are in Pittsburgh, where costs can go as high as $5.19 for out-of-network customers. Washington D.C. and Denver were also among cities with highest out-of-network fees, with $5.11. Dallas had the lowest average, at $4.07. Bankrate suggests customers [avoid such steep fees](http://www.bankrate.com/banking/checking/checking-account-survey/) by using their bank's ATM when possible or making purchases with a debit card at places that allow cash back. ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/atm-fees-all-time-high/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Banking", "item": "https://money.com/banking/" }, { "@type": "ListItem", "position": 3, "name": "Bank Accounts", "item": "https://money.com/bank-accounts/" }, { "@type": "ListItem", "position": 4, "name": "This Chart Shows How Insane ATM Fees Have Gotten in the Last 19 Years" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/atm-fees-all-time-high/#webpage", "url": "https://money.com/atm-fees-all-time-high/", "name": "This Chart Shows How Insane ATM Fees Have Gotten in the Last 19 Years", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2017-10-03T13:04:07.000Z", "mainEntity": { "@id": "https://money.com/atm-fees-all-time-high/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/atm-fees-all-time-high/#breadcrumb" }, "dateModified": "2024-05-16T12:44:06.000Z" }, { "@type": "Article", "headline": "This Chart Shows How Insane ATM Fees Have Gotten in the Last 19 Years", "articleSection": "Banking", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2017/10/gettyimages-526663884.jpg", "width": 5065, "height": 4032, "caption": "Barclays to cut investment bank jobs" }, { "@type": "ImageObject", "url": "https://img.money.com/2017/10/avg-atm-fees-1024x914.png", "width": 800, "height": 500 } ], "author": [ { "@type": "Person", "name": "Mahita Gajanan", "url": "https://money.com/author/mahita-gajanan/", "@id": "https://money.com/author/mahita-gajanan/#author", "email": "Mahita.Gajanan@timeinc.com", "sameAs": [ "https://x.com/mahitagajanan" ] } ], "publisher": "https://money.com/#organization", "datePublished": "2017-10-03T13:04:07.000Z", "description": "People are taking cash out from banks outside their network at a slower rate", "abstract": "People are taking cash out from banks outside their network at a slower rate", "@id": "https://money.com/atm-fees-all-time-high/", "inLanguage": "en-US", "dateModified": "2024-05-16T12:44:06.000Z", "wordCount": 197, "keywords": [ "ATM fee", "onetime" ], "about": [ { "@type": "Thing", "name": "Bank", "sameAs": [ "https://en.wikipedia.org/wiki/Bank" ] }, { "@type": "Thing", "name": "Bank account", "sameAs": [ "https://en.wikipedia.org/wiki/Bank_account" ] } ] } ] } ```