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Record ATM Fees Surge to $4.77 in 2025

9/11/2025

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Summary

Story summary

In 2025, ATM fees hit a record average of $4.77 for out-of-network withdrawals, the highest since 1998.
Atlanta leads with fees at $5.33, followed by San Diego and Phoenix at $5.22.
The average ATM surcharge is $3.19, with banks adding $1.58 for out-of-network transactions.
Nearly 47% of non-interest checking accounts incur no service fee.
Strategies to avoid fees include using in-network ATMs or banks that reimburse charges.

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Story summary

In 2025, ATM fees hit a record average of $4.77 for out-of-network withdrawals, the highest since 1998.
Atlanta leads with fees at $5.33, followed by San Diego and Phoenix at $5.22.
The average ATM surcharge is $3.19, with banks adding $1.58 for out-of-network transactions.
Nearly 47% of non-interest checking accounts incur no service fee.
Strategies to avoid fees include using in-network ATMs or banks that reimburse charges.