Consumers are paying higher fees than ever to use and maintain their checking accounts as banks try to counter losses from new federal regulations to curb excessive overdraft charges.

Fees for ATM transactions, account maintenance and overdraft protection have all surged since new rules adopted under the Financial Reform Act took effect in August, according to a recent study from Bankrate Inc.

Bankrate’s survey of leading banks and thrifts in Ohio and across the nation found average ATM fees are up 5 percent from 2009 to a new high of $2.33; while average overdraft fees have increased 3 percent from 2009 to a new record of $30.47.

New rules don’t prohibit banks from charging overdraft fees, but banks can no longer automatically enroll customers in overdraft protection programs without their consent.

Customers who don’t choose overdraft protection can’t be charged overdraft fees, a restriction expected to cut those revenues by nearly $2 billion to $35.4 billion this year, according to banking research firm Moebs Services.

The survey also showed the fees banks charge for using out-of-network ATMs increased almost 7 percent to an average of $1.41.