Denver has the highest ATM surcharges and overdraft fees in the nation, according to new report released Monday by Bankrate.com.

In Denver, the average ATM surcharge (the fee charged by an ATM operator to a non-customer) is $2.80 .

That’s in addition to the average fee of $1.88 (fourth-highest in the nation) that Denver banks charge their own customers for leaving the network.

Bankrate.com said that a customer that’s charged both fees would be out $4.68 for each out-of-network withdrawal.

Denver’s average overdraft fee is $33.60 .

Following Denver with the highest ATM surcharges are New York metro; Seattle, San Francisco and Houston.

The ATM surcharge fee in New York metro and Seattle with both having a ATM surcharge of $2.70.

Following Denver for the highest average non-sufficient fund fees are Houston at $33.53; Atlanta at $32.70; Miami, $32.63 and Boston, $32.47.

According to Bankrate.com, the average ATM surcharge rose four percent to a new record of $2.50 .

This is the eighth straight year that the average ATM surcharge increased.

For the first time, 100 percent of the banks that Bankrate.com surveyed charged non-customers to use their ATMs.

Many banks also charged their own customers for using another company’s ATM. This fee jumped 11 percent to $1.57.

Bankrate.com noted that the percentage of free checking accounts offered by U.S. banks continues to fall as other checking fees continue to rise.

Only 39 percent of non-interest checking accounts surveyed are available to all customers free of charge, down from 45 percent last year and the peak of 76 percent in 2009.

Howard Pankratz: 303-954-1939, hpankratz@denverpost.com or twitter.com/howardpankratz