Your bank really wants you to use its ATMs.

The average out-of-network ATM fee is now $4.57 per transaction, a 10-year high, according to a new survey of account fees from Bankrate.com. "ATM fees are low-hanging fruit," said David Albertazzi, a senior analyst with financial services research firm Aite Group in Boston. "Banks are under margin pressure to find more income and this is an easy way to do it."

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ATM fees deliver a one-two punch. First, people are hit with a fee charged by the bank that owns the ATM if they are not customers. That fee averaged $2.90 per transaction this year, up from $2.88 last year. Then, people are charged by their own bank for going outside its ATM network. That fee grew by 1.8 percent over the past year to $1.67 per transaction. The fees on fees mean that if you withdraw $20 from the average out-of-network ATM, you would pay 22.9 percent of that money in bank charges.