A new survey finds that fees for bounced checks and withdrawing cash from an out-of-network ATM rose again this year,

Bankrate.com says the average cost of using another bank's ATM is now $3.43 while a bounced check now costs an average of $28.95, up 2.5 percent from a year ago.

Senior financial analyst Greg McBride says there's no excuse for losing track of a balance anymore with 24-7 online access to accounts. In addition, more banks are offering free checking accounts.

The average monthly service fee on non-interest-bearing checking accounts fell to $1.93. That's down from 10 years ago when it was $5.37. That fee is only applied if you don't maintain the minimum balance, which dropped to an average of just over $109 this year, down from $155 and change last year.

Bankrate.com's survey is based on information from 249 banks and thrifts in the nation's 25 largest metropolitan areas

(Copyright 2008 by The Associated Press. All Rights Reserved.)