This sounds great. What type of fees are you considering?
In all likelihood we'll slash current fees and get down to the nuts and bolts of what makes our customers tick, we'll re-think our lending practices and try to find risk-averse loans that make sense for us and our customers and allow us to continue to be a stable bank while becoming something the average customer is proud to work with
Further - you should have full transparency in charge ordering.
The method by which banks order charges to algorithmically produce the most overdrafts should be a capital crime.
I used to bank at a CU and they posted their monthly overdraft profits on the wall: ~$250,000 per month they charged their customers in overages. When 2008 hit, this number balloned to ~$500,000 PER MONTH that people were paying in overdraft because everyone was getting fucked so hard by the banks.
On paper I make a lot. I would literally pay a sizeable amount to have a true banking partner that actually had my best interests at mind and wasnt trying to rob me.
A friend of mine recently complained that she had dropped to $22.00 in her BofA account, which had a $25 min balance req. They then charged her a $35 fee for being under $25 - this caused her to go negative, and then for being negative they charged her an additional $35 PER DAY.