As banks continue to raise their fees for consumer accounts, and free checking appears to be going the way of the dodo, banks have a decidedly spotty record on clearly disclosing these fees to their customers--even though they are required to do so by law.

A survey out this week from the site BankRate.com says virtually every way a bank can charge money is up. Sixty percent more noninterest accounts carry fees and balance requirements than they did last year. ATM fees are at an all-time high for the seventh consecutive year. Maintenance fees for checking accounts have increased ...