You know, I have a checking account that I don't keep a lot of money in (because I rarely write checks nowadays) but have had so long that I don't really want to close it. I was surprised to notice last week that the bank is charging me $12/month in account fees unless I keep a minimum of $1000 in it at all times (effectively, an interest-free loan to the bank). For $144 a year, I think they can afford an RSA token or something better than the existing nonsense.

I know, the bank makes money from fees and that's the price I pay for access to a large ATM network..yet I distinctly remember a time when they made money from lending, while still managing to have a risk management policy grumble grumble