Bankrate surveyed banks in the 25 largest U.S. cities to find the average fees associated with checking accounts in its annual checking account survey, which was conducted in July and August 2016.


Checking account fees
Market Average NSF* fees Average noncustomer withdrawal fee Average out-of-network withdrawal fee
National average $33.04 $2.90 $1.67
Atlanta $33.42 $2.90 $2.15
Baltimore $34.80 $2.70 $1.69
Boston $31.79 $2.90 $1.43
Chicago $31.70 $2.75 $1.75
Cincinnati $31.22 $2.50 $1.42
Cleveland $33.53 $3.06 $1.92
Dallas $32.88 $3.00 $1.22
Washington, D.C. (metro area) $33.40 $2.94 $1.82
Denver $33.65 $3.00 $1.88
Detroit $30.47 $2.95 $1.86
Houston $34.00 $3.06 $1.65
Kansas City, Missouri $33.95 $2.65 $1.82
Los Angeles $32.00 $2.83 $1.45
Miami $33.17 $2.94 $2.00
Milwaukee $34.79 $3.10 $1.54
Minneapolis $32.89 $3.19 $1.27
New York (metro area) $34.63 $2.90 $1.96
Philadelphia $35.20 $2.90 $1.43
Phoenix $34.05 $3.25 $1.82
Pittsburgh $34.05 $2.83 $1.85
San Diego $32.00 $2.94 $1.68
San Francisco $30.35 $2.79 $1.11
Seattle $31.20 $2.94 $1.46
St. Louis $32.89 $2.72 $1.67
Tampa, Florida $33.50 $2.80 $1.95

The data come from a survey of 10 banks and thrifts in each of the 25 large U.S. markets from July 14 to Aug. 10, 2016. We asked the institutions about their terms on one noninterest account and one interest-bearing account, as well as on ATM and debit card fees.

*NSF = nonsufficient funds

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