An annual analysis of checking accounts from Bankrate.com finds that the average A.T.M. surcharge — the fee charged by the machine’s operator to a noncustomer — rose 4 percent to a new record of $2.50.

 This is the eighth consecutive year that the average surcharge has increased. And, for the first time, all of the banks surveyed by Bankrate.com for the report charge noncustomers to use their A.T.M.’s.

 The increases are part of an overall attempt by banks to replace fee revenue lost because of new caps on the amount they can charge retailers for debit-card transactions.