Free checking is on the way out in 2011, while the banking industry ushered in increases in checking account fees, ATM charges and penalties for account overdrafts.

This is the banking landscape revealed by Bankrate's 2011 Checking Account Survey.

Just 45 percent of noninterest checking accounts are now free, down from the peak of 76 percent just two years ago. However, banks still will offer free checking for meeting conditions such as signing up for direct deposit.

New records were set in two categories in this year's study. Fees for nonsufficient funds, or overdrafts, hit a new high for the 13th consecutive year, while ATM fees rose to their highest level for the seventh consecutive year. To find out what to do about them, check out Bankrate's Checking Account Survey.

Bankrate's data come from surveying the five largest banks and five largest thrifts in 25 of the nation's biggest markets from Aug. 1-12, 2011. The survey asked those institutions about the terms on one generic noninterest account and one interest-bearing account for the general consumer.

• 7 ways checking accounts cost you more
  To stash your cash in today's checking accounts, you'll pay more and higher fees.
• Abracadabra, free checking disappears!
  Under the weight of new rules, banks are dropping free checking. Find out how to keep it.
• ATM fees march upward in 2011
  ATM fees seem to climb every year. Find out how to avoid the cost of tapping your cash.
• Consumers socked with higher overdraft fees
  Overdraft fees have risen, but new rules make it harder for banks to charge them.
• Why checking account yields are so low
  It all starts with the Federal Reserve. Find out how your checking account yield reflects its actions.
• 5 cities with the highest ATM fees in 2011
  ATM fees are on the rise. Find out the cities where you shouldn't whip out your ATM card.
• 5 cities with the lowest ATM fees in 2011
  ATM fees are on the rise, but in these cities it won't be as costly to get at your money.
• Checking account fees
  Bankrate.com's survey shows the average checking account fees in the top 25 U.S. cities.