<p>Banking fees are reaching all-time highs despite legislative efforts to keep charges at a minimum, according to a study from Bankrate.com.<br />
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Fees are infiltrating areas of personal banking, like the checking account and ATM, that watchdog groups say many people are unaware of.<br />
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"I think most Americans don't realize that they get hit twice," said Jamie Court, of ConsumerWatchdog.org.</p>