Accessing your cash from an out-of-network ATM is now more expensive than ever.
The average fee is now $4.72, according to a Bankrate.com analysis. That works out to $3.09 from the owner of the ATM and an additional $1.63 from the accountholder's own bank.
The fees, on average, have increased 33% over the past decade.
To arrive at those figures, CNBC says Bankrate looked at 10 banks in each of the country's 25 largest metro areas.
Fees were highest in Houston, averaging $5.58 per transaction. They were lowest in Los Angeles, coming in at $4.15.
The differences are due, at least in part, to the amount of competition in each city.
“In areas where the market share isn’t as concentrated, there’s a greater disparity in fees, which can serve to bring down the overall average,” Bankrate's Greg McBride said.
To avoid fees, try opening an account at a credit union. You can also get cash back when making a purchase at most retailers.