According to Bankrate's Annual Checking Account and ATM Fee Study, the average combined out-of-network ATM fees in the United States have reached a record high of $4.77. This marks the fourth consecutive year that ATM fees have increased, reflecting a broader trend of rising costs for accessing cash. The study highlights that consumers using ATMs not affiliated with their banks are facing the highest fees ever recorded. The report also identifies specific metropolitan areas where ATM fees are particularly steep, indicating significant regional disparities in costs for cash withdrawals. The findings underscore the growing financial burden on consumers as they navigate increasingly expensive banking services.