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Avoid These Cities with High Overdraft Fees

Cities with the highest average overdraft fees include Milwaukee at $34.16, Atlanta and Denver at $34.10, Miami at $33.89 and Houston at $33.53. Cities with the lowest average overdraft fees are $27.18 in San Francisco, $29.58 in Los Angeles, $30.32 in Cincinnati and Cleveland and $30.78 in San Diego.

Whether its to side step a foreign fee or out of network fee, either way Renda goes out of her way to make sure she has enough cash in her wallet when she travels so that she doesn't incur ATM fees for cash withdrawals out of her bank's network. In the past, she paid $5 to $6 when she dared to withdraw money from another bank's ATM.

"If I go to Albany for the weekend, I withdraw $100 from my bank ATM, but when I get back to the city I inevitably have to redeposit the money I didn't use," she said. "It can be inconvenient."

About 97% of checking accounts are either free or can become free if the account-holder meets certain requirements such as direct deposit or a minimum balance, which is the most common for interest checking accounts. The average for minimum balance requirements is $5,802, down 5% since 2012.

"While free checking isn't as common as it was just a few years ago, the decline slowed to a trickle this year," said Bankrate's McBride.

The average monthly service fee fell less than 1% to $14.64, which is a departure from the past six years.

--Written by Juliette Fairley for MainStreet

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