I think people neglect to see that banks are not NON-PROFIT organizations. They give free checking with no minimum balances. Free Bill Pay, free Online Banking, and afree Visa/Mastercard Debit card. All that stuff costs money for banks to maintain and still people complain because banks charge fees for other services they provide. Do you go to the corner store and expect free candybars, soda, and gas? NO! So why would you think you wouldn't have to pay for products and services at a bank?