(Todd Kravos)While the amount of money banks make in revenue from customer-account fees may be on the decline, a new survey shows that consumers’ overdrafts and out-of-network fees are at an all-time high. The Associated Press reports that a new Bankrate.com checking survey found the average fee for using out-of-network ATMs climbed 5% in the last year to a high of $4.35 per transaction, while average overdraft fees now sit at more than $32. The average cost of ATM fees increased for the eighth consecutive year. Generally, using an out-of-network ATM results in consumers being charged two fees: one from the customer’s bank and one from the owner of the ATM. According to Bankrate.com, the average fee banks charge their own customers for going to an outside ATM rose to a new high of $1.58, while the average surcharge that banks charge non-customers at the ATM climbed to $2.77. In all the average fee for using out-of-network ATMs increased by 23% in the past five years; marking 2014 the eighth year in a row with a new high. Consumers paid an average of $32.74 in fees for non-sufficient funds this year. As for overdrafts, Bankrate.com found fees increasing by 1.7% to an average of $32.74.