By The Associated Press

(AP) - PAYING MORE FOR CHECKING: The average monthly service fee on checking accounts rose 25 percent from last year to a record $5.48, according to financial data publisher Bankrate. ATM fees rose 4 percent and overdraft fees rose 1.4 percent.

FEE WAIVERS: Some banks will give you free checking if you sign up for direct deposits or maintain a minimum balance in your accounts.

OTHER OPTIONS: If that doesn't work, seek other options. Most credit unions and Internet banks don't have monthly fees.

(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)

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