(KRON) -- Now it costs more money than ever to use your own money.

According to Bankrate.com's latest survey, ATM fees have hit a new high. This year alone, consumers are spending an estimated $4.3 billion in ATM fees alone.

Charges come from the bank whose ATM you used, and then by your own bank for an average fee of $2.91.

But there are still some good deals out there and Contact 4 found a couple of them.

First Republic Bank doesn't charge you for using another bank's ATM, and will even reimburse that bank's ATM charge. There's a $15 monthly fee unless you have a $2,500 balance.

Fremont Bank also refunds ATM fees. You're charged a $15 monthly fee unless you have a $1,500 balance.

And Mechanics Bank offers the same deal with its Smart and Easy Plan. All you need to qualify is to sign up for direct deposit.

(Copyright 2005, KRON 4. All rights reserved.)