updated 3/17/2011 11:20:19 AM ET 2011-03-17T15:20:19

It's getting more expensive to use another bank's ATM.

Major Market Indices

Hitting an out-of-network ATM typically results in two fees: one from the ATM operator and one from customer's own bank

Now Chase is testing fees of $4 and $5 for non-customers who use its ATMs.

That's far higher than the $2.33 average banks charge non-customers, according to

The details
Chase is testing the higher fees in two states. In Texas, non-customers are being charged $4. In Illinois, they're being charged $5. The fee for non-customers everywhere else remains $3.

The bank did not say when it would roll out the higher fee nationwide.

Chase customers will not be affected. They're still paying $2 to use an out-of-network ATM.

On average, banks charge their own customers $1.41 for using of an out-of-network ATM, according to

With 16,000 machines, Chase operates the second largest ATM network in the country. Nearly a quarter of those are in Texas and Illinois.

Chase isn't the only bank hiking ATM fees. TD Bank last week started charging its customers $2 for using an out-of-network ATM. Customers previously weren't charged anything.

PNC Bank also said this month that it will no longer reimburse customers for fees they're charged by other banks for using out-of-network ATMs.

And late last year, Citi customers with basic checking accounts began paying $2 for using an out-of-network ATM, up from $1.50.

Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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