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WEST PALM BEACH, Fla. -- It's costing you more these days if you use an ATM at a bank where you don't have an account.

The latest Bankrate.com Checking Account Pricing Study finds the fee charged to non-accountholders for using a bank's ATM hit a record for the third consecutive survey. It now stands at $1.64 -- up four cents from last spring and a dime from a year ago. The good news is that fewer banks are charging their own customers for using another bank's ATM.

Meanwhile, if you bounce a check, the average fee charged by financial institutions is at a record high $27.40. That's a dime more than you'd have paid this spring. Experts said signing up for overdraft protection, ideally linked to a savings account, is a low-cost way to avoid bouncing checks.