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.
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