The ink on the Credit Card Bill of Rights (officially The Credit Card Accountability, Responsibility and Disclosure Act) is barely dry, but banks have already figured out that they stand to lose big bucks in lost interest and fees from consumers. Not surprisingly, they're looking for ways to make up the dollars. Despite the fact that the new law won't go into effect for nearly seven months, some of these new bank fees and charges are already on the way. Add that to fee increases we see year after year -- on overdrafts and ATM withdrawals, for example -- and there are more than a few things you should be on the look out for.

-- Higher checking account fees. In June, Bank of America increased its monthly account maintenance fee on its MyAccess checking from $5.95 to $8.95 per month. And more banks are bound to follow suit. In particular, customers who don't maintain significant balances should be on the lookout for additional or higher fees. Banks may start requiring you to keep more money in your account; otherwise, you'll get hit with a charge. But this is definitely one fee you can avoid, says Greg McBride, Senior Financial Analyst at Bankrate.com, which does a checking account fee study each fall. "Free checking accounts are still widely available, so you're not held hostage to accounts that have high balance requirements and high monthly service charges." As always, it's all about shopping around.

-- Higher overdraft fees. It is already common to see overdraft fees of $35 to $39 when you spend more than you have in your account. You're then charged interest on the amount of money you've essentially borrowed to cover your purchase. Watch out in particular for two new types of overdraft fees: A tiered overdraft fee, which means that with each successive overdraft, the fees go up. Nine out of the 16 largest banks also have sustained overdraft fees, which means if you don't pay off the overdraft amount and the fee in full, an additional fee gets tacked on. Sometimes it's a per-day fee and sometimes it's a flat fee, but this is something you need to know if your bank participates in the practice.