If you're still getting free checking, consider yourself lucky.
According to Bankrate.com's 16th annual checking survey, only 38 percent of banks offer free non-interest checking accounts to all customers.
The average overdraft fee is up for a 15th consecutive year and is now a record-high of $32.
Use an ATM that is outside of your bank's network and the average fee is now more than $4.
The availability of free checking has fallen four years in a row after peaking at 76 percent in 2009.