That swipe will cost you.

Wells Fargo, the second biggest bank by deposits, will start charging customers a $3 monthly fee for using their debit card for purchases.

The bank, run by Chief Executive John Stumpf, said the fee will roll out in Georgia, Nevada, New Mexico and Oregon as part of a pilot program to see how customers react.

Saying new bank regulations are costing them billions in revenue, Wells Fargo and other big banks are finding new ways to nickel and dime customers.

The banks blame a raft of new regulations in the wake of the financial crisis, including the Federal Reserve’s decision to cap fees banks can charge merchants for debit-card transactions, so-called swipe fees.

The swipe-fee change was widely expected to lead to the end of free checking and result in more monthly service fees.

Other banks, including Citigroup and JPMorgan Chase, have begun limiting free checking for certain clients and tacking on other surcharges.