BOSTON (CBS) – Shopping around for the free checking account could be harder than you think.

A survey by MASSPIRG, the Massachusetts Public Interest Research Group, of 350 banks finds that almost a quarter of them refused to disclose their full list of charges and fees.

MASSPIRG’S legislative director Deirdre Cummings say only 38% of the banks provided researchers with their fee schedules, although the 1991 Truth in Savings Act requires such disclosure.

Cummings says even with these issues, many banks still offer free checking or low-cost checking.