withdrawals, find the location and nearest atm you can use that's in network. atm networks are bigger than ever so it is easier than ever to avoid those fees particularly when you use technology. fall-back option you have available is if you're really in a pinch for cash, get cash back at the point of sale when you use your debit card. >> talk about the overdraft charges. a record $33. the highest fees are in milwaukee, atlanta, also baltimore. denver. and phoenix. the lowest fees if you're in san francisco, cincinnati, detroit, los angeles, kansas city and san diego. why are we seeing higher fees there as well? >> this is one that's an old stand-by. goes up every single year. we've seen it up now 17 consecutive years. the average, little over $33. that's just for the first overdraft. some banks actually have a tiered structure. so if you have a second, third or fourth overdraft within a 12-month span you could pay an even higher fee next time around. keep accurate tabs on your