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It also found that consumers were more likely to use debit cards if the cost associated with swiping them -- such as monthly use fees or one-time sign-up fees -- were low.

Credit counselors say credit cards can be good stand-ins for debit cards only if consumers pay their balances off in full each month and avoid interest charges.

Some banks use different names for the same fee, making apples-to-apples comparisons difficult.

"Our conclusion is that it's nearly impossible," Weinstock says.

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Banking industry executives estimate the caps will cut bank revenues by nearly 40 percent.

Banks are attempting to recoup their losses by eliminating free checking, adding debit card use fees, wiping out debit rewards programs and laying off workers.

There are currently no such restrictions on credit card interchange rates, so banks have an incentive to encourage greater credit card use.

I'm surprised that credit isn't higher in the poll." Debit card use fees Bof A was the first major bank to announce permanent debit card fees.

Other national banks, such as Wells Fargo and JP Morgan Chase, are testing debit card fees in select markets.

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