A new survey by MoneyRates.com has found that bank fees are on the upswing. The average monthly fee for a checking account is up 18 cents to $12.26 over the past six months, while overdraft fees have also grown 18 cents to reach an average of $30.01. The fee for non-customers using an ATM has risen 20 cents to $2.60. On a positive note, MoneyRates said that 37 percent of checking accounts charge no fee at all. Fees at online-only banks are generally holding steady, while fees associated with banks with branches are climbing. For the study, MoneyRates surveyed the 50 largest U.S. banks as well as 50 medium and smaller-sized banks.