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Checking account fees

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Bankrate surveyed banks in the top 25 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 2014.

Checking account fees

Market nameAverage NSF* feesAverage ATM surchargeAverage fee to use other ATM
Atlanta$34.10$2.60$1.82
Baltimore$33.55$2.60$1.57
Boston$34.37$2.80$1.54
Chicago$31.80$2.65$1.94
Cincinnati$30.44$2.50$1.25
Cleveland$33.37$2.72$1.73
Dallas$31.33$2.78$1.67
Washington, D.C. (metro area)$32.90$2.65$1.50
Denver$34.20$3.00$1.75
Detroit$33.00$2.75$1.73
Houston$33.78$3.06$1.61
Kansas City, MO$31.80$2.70$1.46
Los Angeles$29.47$2.78$1.35
Miami$33.89$2.83$1.80
Milwaukee$34.47$2.93$1.73
Minneapolis$32.89$2.92$1.52
New York (metro area)$33.32$2.60$1.90
Philadelphia$34.80$2.85$1.38
Phoenix$34.45$3.10$1.86
Pittsburgh$32.90$2.60$1.43
San Diego$30.22$2.81$1.89
San Francisco$26.74$2.63$1.30
Seattle$32.60$2.95$1.21
St. Louis$33.90$2.70$1.42
Tampa, FL$33.61$2.72$1.45
National average$32.74$2.77$1.58

The data come from a survey of the 10 largest banks and thrifts in 25 of the nation's biggest markets from July 10 to Aug. 6, 2014. We asked those institutions about terms on one noninterest account and one interest-bearing account, as well as their ATM and debit card fees. Beginning this year, the monthly fee figures are adjusted for receipt of e-statements.

*NSF = nonsufficient funds.

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