New Yorkers pay the second highest ATM fees in the country

Americans are getting robbed by their own ATMs.

ATM fees have reached an 11-year record high, and New Yorkers are paying the second highest rates, says Bankrate’s annual Checking Account Survey for 2017.

The site surveyed 10 banks and savings and loans associations in each of 25 large U.S. markets from July to August 2017 and found that bank fees are up 2.6% from the previous year.

The national average ATM fee is $4.69, equalling the average ATM surcharge of $2.97 plus the average out-of-network fee your main bank charges of $1.72.

Cities whose fees top over $5 include Pittsburgh ($5.19), New York ($5.14), Washington, D.C. ($5.11), Cleveland ($5.11) and Atlanta ($5.05). "

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Even the lowest fees still don’t drop below $4 with Milwaukee at $4.19 and Dallas at $4.07.

Overall, ATM withdrawal fees have risen by 55% over the last ten years and there is little to curb this growth. According to CNBC, “there is no regulatory limit on what banks can charge for service fees on deposit accounts.”

Bankrate suggests using cashback options on debit purchases where you can find it. Some banks have no out-of-network fees but charge a monthly ATM surcharge every month, and that doesn’t exclude you from paying the ATM’s fee. Bankrate also suggests that those who are moving to areas with low saturation of their bank may want to reach out to the bank to see if they will waive its fee.

Customers are also facing increased overdraft fees, with the national average being $33.38, up from just over $20 twenty years ago.

Bankrate suggests to opt out of overdraft protection, so instead of being charged a fee when you’re out of money, your card is simply declined. Bankrate also says that if it’s a one-time deal, try calling the bank to see if they’ll waive it.

“Most banks will waive (an overdraft fee) once a year,” Andrea Woroch, a personal finance expert who is working with Marcus, Goldman Sachs’ online lender, told Bankrate.

The ATM just celebrated its 50th anniversary — aside from a few preliminary machines in Japan and New York, the first official cash machine was installed in Enfield London in June of 1967.