Almost all costs and fees are up at the brick and mortar banks included in Bankrate's 2007 Checking Account Pricing Study. Average fees reached new peaks across the board.

• Bounced check: $28.23 (+3%)
• ATM surcharge:$1.78 (+$.14)
• Monthly checking service: $11.72 (+$.98)
• Min required to avoid fees: $3,316.60 (+ 25%)

More than ever, high-yield online savings accounts like HSBC Direct, and ING Direct are the place to park your dough.

Fall 2007 Bankrate.com Checking Account Pricing Study