Banks might have increased their fees, but consumers aren’t paying them.

A majority of consumers have managed to avoid paying fees, according to the American Bankers Association.

An ABA survey found that 71 percent of bank customers don’t pay any fees,  and 82 percent of customers pay $3 or less per month in fees for checking account maintenance and ATM access, as well as other services.

Six percent of consumers pay $4 to $6 per month, 4 percent pay $7 to $9 per month and 7 percent pay $10 or more per month, according to the survey.

Fees are coming on the heels of new rules imposed by the Federal Reserve in July. The Fed capped the “swipe fees” that banks can charge retailers, which has caused many banks to say other fees will increase.

JPMorgan Chase & Co. has been testing $5 ATM fees, and Wells Fargo plans to charge customers in four states a $3 per month fee to use their debit cards starting Oct. 14.

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