Editor’s note: An award-winning journalist, author and motivational speaker, Jean Chatzky needs no introduction. As a financial editor for NBC’s "Today Show," Chatzky offers savvy advice on managing money and wealth. Her latest book, The Difference, provides simple strategies for a prosperous financial future. Visit her blog at JeanChatzky.com.

The ink on the Credit Card Bill of Rights (officially the The Credit Card Accountability, Responsibility and Disclosure Act) is barely dry but banks have already figured out they stand to lose big bucks in lost interest and fees from consumers. Not surprisingly, they’re already figuring out how to make up that ground. Despite the fact that the new law won’t go into effect for nearly nine months, some of these fees/charges are already on the way – others you should simply watch out for.

Higher Checking Account Fees: We’re already starting to see some changes in this arena. In recent changes: Bank of America (BAC) will increase its monthly account maintenance fee on its MyAccess checking from $5.95 to $8.95 per month in June. In particular, customers who don’t maintain significant balances should be on the lookout for additional or higher fees.

Higher Overdraft Fees: It is already common to see overdraft fees of $35 – sometimes $39 – when you spend more than you have in your account. You’re then charged interest on the amount of money you’ve essentially borrowed to cover your bad checks or debits. Watch out in particular for two new kinds of overdraft fees: a tiered overdraft fee, which means that with each successive overdraft the fees go up. Nine out of the 16 largest banks also have sustained overdraft fees, which means if you don’t pay off the overdraft amount and the fee in full, an additional fee gets tacked on. Sometimes it’s a per-day fee and sometimes it’s a flat fees.

These overdraft fees — many of which are charged on debit and ATM transactions — are particularly annoying because banks do something called "stacking the debt." They program their computers to process withdrawals not in the order that you make them but by the largest first. So if the largest withdrawal takes you over your funds, you’ll then incur overdraft fees on all of the smaller ones. And very few banks, according to the Consumer Federation of America, limit the amount of fees they’ll charge you in a single day. So if you swipe at the dry cleaner, the supermarket, the hardware store and the movies in a single day, you could be looking at $140 in fees. Ouch.

What can you do about it? One suggestion: Most banks automatically enroll consumers into their overdraft-protection program. Ask the bank if you can opt out of overdraft protection linked to your credit card. Some banks will do this. And the Federal Reserve is considering whether to give all consumers this right by law. I’ll keep you posted.

Debit Card Fees: Consumers have already switched their devotion from credit to debit. One big reason is that debit has been cheaper – you don’t pay interest when you use your debit card and you haven’t paid fees, until now. They’re launching overseas. Citigroup charges 3 percent of the transaction for some ex-U.S. debit-card purchases. Also, keep an eye out for fees at checkout for withdrawing cash there instead of at the ATM. I suspect they’re on the way.

Other places to watch out? At one time, I reported that banks had 250 different fees! Some of those have gone away in years past. I would watch for a resurgence of: