Using ATM machines out of your bank's network is getting increasingly more expensive.
Those transactions tend to hit customers with two fees -- one from your own bank and the second from the ATM that takes a surcharge fee.
That surcharge fee has jumped 20% to an average $2.10 last year, up from $1.75 in 2007, according to a recent U.S. Government Accountability Office report.
Banks and credit unions charged fees ranging from 45 cents to $5, according to the GAO, while independently operated ATMs charged from $1.50 to $3. (The report notes there may be fees that are far higher that were not included in their sample).
More financial institutions are also requiring surcharge fees to people who are not part of their network: 96% now charge, compared to 87% in 2007, the report said.
There are about 420,000 ATM chains in the U.S. About half are operated by banks, credit unions or other financial institutions, while the other half are independent operators who work with merchants to determine fees.
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