2012 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 their annual Checking Account Survey, which was conducted in July and August 2012.

Checking account fees

Market name Average NSF* fees Average ATM surcharge Average fee to use other ATM
Atlanta $32.70 $2.40 $1.95
Baltimore $31.35 $2.38 $1.12
Boston $32.47 $2.45 $1.50
Chicago $30.10 $2.25 $1.10
Cincinnati $29.16 $2.22 $1.23
Cleveland $28.74 $2.67 $1.57
Dallas $31.33 $2.50 $1.67
Washington, D.C. (metro area) $30.79 $2.39 $1.80
Denver $33.60 $2.80 $1.88
Detroit $30.50 $2.55 $1.86
Houston $33.53 $2.69 $1.35
Kansas City, Mo. $31.68 $2.44 $1.55
Los Angeles $29.05 $2.56 $1.20
Miami $32.63 $2.67 $1.90
Milwaukee $32.26 $2.35 $1.64
Minneapolis $31.33 $2.20 $1.58
New York (metro area) $31.40 $2.70 $1.82
Philadelphia $31.70 $2.50 $1.96
Phoenix $31.50 $2.50 $1.64
Pittsburgh $30.30 $2.45 $1.68
San Diego $32.33 $2.61 $1.50
San Francisco $28.35 $2.69 $1.45
Seattle $31.60 $2.70 $1.38
St. Louis $30.90 $2.55 $1.55
Tampa, Fla. $32.17 $2.36 $1.53
The data come from surveying the five largest banks and five largest thrifts in 25 of the nation’s biggest markets from July 24 to Aug. 10, 2012. We asked those institutions about terms on one generic noninterest account and one interest-bearing account for the general consumer.

*NSF = nonsufficient funds.