Bank of America scrapped its plans to charge a $5 monthly debit card fee. But most banks are creating new charges to make up the lost revenue.

If you thought customers triumphed last fall when the nation's big banks quickly retreated from monthly fees for debit-card use, think again: Like the mythical Hydra, banks have replaced that charge, severed by a grass-roots uprising, with various new fees designed to recoup lost income.

Although some of these fees appeared before last year's debit-card revolt, many more are making their debuts this year. There are nearly 50 different fees consumers can wind up paying, depending on the services they use and how they use them, according to some consumer advocates' latest estimates.

"Most of these fees are not the in-your-face charges, such as the debit-card fee that caused the big uproar," said Alex Matjanec, co-founder of MyBankTracker.com, a consumer-finance information website.

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