Americans are paying record-breaking ATM fees at machines not affiliated with their own bank. According to an annual study by Bankrate, the average cost for taking out money has climbed to $4.52 per withdrawal.
That charge is up 21% over the past five years as banks seek out new ways to raise money following new regulations set forth by the Dodd-Frank act and other laws.
Overdraft fees have also climbed to a record of $33.07, up 9% since 2010.
Here are the cities with the highest average ATM fees.
New York: $5.03
Here are the cities with lowest average ATM fees
San Francisco: $3.85
Kansas City: $4.01
You can avoid ATM fees by using machines associated with your own bank. Some financial institutions have also formed agreements with ATM network owners to lower the cost of ATM withdrawals.