According to a Bankrate.com survey of 25 large U.S. markets, we in Baltimore enjoy the lowest ATM fees.

The survey found that our average ATM fee is $3.59. (This is an average of the combined fees from the ATM operator and the customer's own bank or thrift.)

That still seems high. If you were to go to the ATM to withdraw $20, that fee runs about 18 percent.

When it comes to overdraft fees, which Bankrate says have risen 15 years in a row, Baltimore comes in 13th with an average of $32.55.

The highest ATM fee is found in Denver at $4.70.  The highest overdraft charge -- $34.16 --  is found in Milwaukee.