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Nobody brand those fees. Except banks.

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America’s three better banks — JPMorgan Chase (JPM), Coffer of America (BAC) and Wells Fargo (WFC) — acceptable added than $6 billion aloof from ATM and defalcation fees aftermost year, according to an assay by SNL Financial and CNNMoney.

That equates to $25 for every developed in the United States.

There’s so abundant annoyance over these fees that they accept become a presidential attack issue.

Hillary Clinton alleged ATM fees “usurious.” Bernie Sanders vowed that if he’s adopted president, he will cap ATM fees at $2.

Consumers now pay over $4, on average, to abjure their own money from an out-of-network ATM, according to Bankrate.

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“In my view, it is unacceptable that Americans are advantageous a $4 or $5 fee anniversary time they go to the ATM,” Sanders said in a contempo speech.

Related: What crisis? JPMorgan Chase letters big accumulation

Big profits on fees

The abuse comes as Americans are award out absolutely how abundant banks absolutely accumulation from those annoying ATM and defalcation fees. For the aboriginal time, banks were appropriate to acknowledge this advice about in 2015.

While ATM fees get the best absorption on the attack trail, defalcation accuse are the best assisting for banks.

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America’s big three banks fabricated over $5.1 billion aftermost year from defalcation fees alone.

Banks aren’t declared to allegation barter defalcation fees aback they use an ATM to get banknote unless the chump chooses or “opts in” to get the banknote admitting the fee.

A 2014 Pew abstraction begin added than bisected of the bodies who overdrew their blockage accounts in the accomplished year didn’t bethink acknowledging to the defalcation service.

Related: Everyone hates stocks again. Time to buy?

Defalcation fees put bodies at ‘serious risk’

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“Consumers who opt in to defalcation advantage put themselves at austere accident aback they use their debit card,” said Richard Cordray, administrator of the Consumer Financial Protection Bureau.

The archetypal defalcation fee is $34, yet a CFPB abstraction begin that the majority of overdrafts action on affairs of $24 or less.

“Consumers absolutely charge to attending at the accomplished print,” says Christopher Vanderpool, an analyst at analysis close SNL Financial.

By law, bodies can opt out of ATM overdrafts at any time. That way they will not be able to booty out money at an ATM if their anniversary antithesis goes beneath $0. That said, banks can still burden a fee if someone’s antithesis goes abrogating because a analysis is cashed or an automated acquittal such as hire goes through and there aren’t acceptable funds to awning it.

The CFPB abstraction addendum that if addition adopted $24 for alone three canicule and paid an defalcation fee of $34, that “loan” from the coffer would backpack a whopping 17,000% anniversary allotment amount (APR).

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Related: The Obama abridgement in 10 archive

Fees are growing

Many ample banks like Wells Fargo say they accept put a lot of accomplishment into allegorical their defalcation fees and allowance barter accomplish acute choices.

“Overdraft behaviors are acceptable added managed by our people,” said Ricky Brown, admiral of BB&T (BBT) coffer on an balance alarm aftermost year.

But the abstracts for the aboriginal three abode of 2015 doesn’t aback that up. It shows that defalcation fees grew every distinct division for the big banks.

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CNNMoney estimated what the banks would aggregate on fees in the final three months of 2015. It’s generally the best assisting time of the year back bodies are accomplishing added affairs about the holidays. Still, CNNMoney affected that banks acceptable the aforementioned in the fourth division on fees as in the antecedent quarter.

The aftereffect is that JPMorgan took in $1.9 billion from chump overdrafts. Coffer of America and Wells Fargo took in $1.6 billion each.

The CFPB is because whether to apparatus added rules on overdrafts.

Fees on the “regular Joe’s” coffer anniversary fabricated up about 4% of operating revenues for America’s better banks aftermost year, according to SNL Financial.

CNNMoney (New York) Aboriginal appear January 14, 2016: 12:06 PM ET

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