A new Bankrate.com report shows automatic teller machine fees are on the rise for the eighth straight year, with charges across the United States up 4 percent.

The survey showed that the average fee charged by an ATM to a non-customer rose to a record $2.50.
    
Your own bank can also charge you an additional fee for that transaction, meaning you could pay a total of $4.
    
Banks say they're adding fees because recent banking regulations make it more expensive for them to operate. Checking account fees are also rising.

"They're going up at a very rapid pace and that's not likely to change anytime in the foreseeable future," Bankrate.com senior financial analyst Greg McBride said.

In 2009, banks offered free checking to 76 percent of their customers, compared to only 39 percent today.
    
The American Bankers Association notes that the average bank account costs them about $350 a year.