If you were to add up the money you flush down the toilet via ATM fees, you'd be disgusted. As mint notes, ATM fees have reached an all time high, up 5% (the average is $2.33) with no sign of relief. Not to mention additional fees you may incur from going outside of your bank's network. Overdraft fees would attack you next. What's a thrifty consumer to do? First, consider you're spending somewhere in the ballpark of $620 per year on these fees.

Take a look at the five steps to reduce these pocket pickers.