While ATM fees continue to rise, consumers are seeing a bit of relief when it comes to overdraft fees. Breaking a streak of 17 consecutive years of new highs, the average overdraft fee dipped slightly to $33.04 from $33.07 last year. The most common overdraft fee amount is $35. Occurrences of a fee not charged for overdrafts of $10 or less are also increasing, a potential pre-emptive move against any forthcoming rules issued by the CFPB, McBride noted.

San Francisco has both the lowest average overdraft fees and average out-of-network ATM fees. Philadelphia has the highest average overdraft fees. Phoenix consumers pay the highest average out-of-network ATM fees.

The number of free non-interest checking accounts increased for the first time since 2009, with 38% of non-interest accounts not carrying any monthly fees or balance requirements. Non-interest checking accounts saw declines in the average opening balance ($169), monthly service fee ($5.78), and balance required to avoid the fee ($670). The last time all three declined was 2008.

The percentage of interest-free checking accounts increased, with 5.5% of the accounts carrying no monthly fees regardless of balance or activity. Although the average monthly service fee on interest checking accounts was down – slipping half a percent to $15.17, the balance required to avoid fees on interest checking accounts soared more than 10% to a new high of $7,037.