When you’re away from your neighborhood bank in New York City and need cash, you’re going to have to dig deep.

That’s according to a new survey, which says the New York City metro-area bank customers are paying the second-highest out-of-network ATM fees in the nation.

As banks reduce exposure to lending, the banking sector is being looked at as a profit center after paring headcounts at the branches.

As proof of this thinking, when you don’t use your bank’s ATM, it is costing you an average of $5.03, compared to the national average of $4.52, Bankrate said in its 2015 Checking Account Survey.

“Five dollars a pop to get your own money is nothing to sneeze at. All those $5 charges can add up,” said Claes Bell, an analyst with Bankrate.

And your average overdraft fees are also pricey here, $33.58 compared to $33.07 for the national average Bankrate said.

Still, both banking industry spokesmen and critics say these fees are avoidable by keeping your balance high.

“Consumers can easily avoid ATM fees, and most do. Out-of-network fees help cover the costs of providing a convenient service so that a bank’s customers aren’t paying to subsidize non-customers.” according to Nessa Feddis, senior vice president and deputy chief counsel for consumer protection and protection for the American Bankers Association.

The average monthly maintenance fee posted a double-digit gain in this year’s survey. Those rose 11 percent to a new high of $5.86. Increases outnumbered decreases 10-to-1, and the most common fee is now $12 a month, according to Bankrate.

Bankrate surveyed 10 banks and thrifts (aka credit unions and savings and loans) in each of 25 large US markets from July 9 to Aug. 5, 2015.

Fees can be a big issue for some customers, whose free checking is based on the direct deposit of paychecks.

However, a bank industry spokesman said these fees often are a non-issue for smart consumers and actually help them.

“Consumers can easily avoid ATM fees, and most do. Out-of-network fees help cover the costs of providing a convenient service so that a bank’s customers aren’t paying to subsidize non-customers,” according to Nessa Feddis, senior VP and deputy chief counsel for consumer protection and payments for the American Bankers Association.