(Smart Money) — Bank fees have been steadily creeping up, but getting branches to disclose these fees as required by law remains a frustrating uphill battle for customers. A survey of bank fees involving 392 bank branches has just been published, and the results are not pretty. Only 38% of bank branches complied easily with simple requests for fee schedules under the 20-year-old Truth In Savings Act, which requires disclosure of a schedule of account fees to prospective customers so they can compare them with other banks. The U.S. Public Interest Research Group’s 21-state report, Big Banks, Bigger Fees 2011, set out to discover how easy (or not) it was for consumers to shop around and whether bank branches comply with the Truth In Savings Act. The researchers discovered that “only after two or more requests” did 55% of branches provide fee schedules as requested and as required by the Act.