If memory serves well, debit cards and electronic banking were once ahiled as a great way for banks to be more efficient and thus cut their processing costs. so what is all this whining from the banks taht they don't get enough from lowered debit card fees to merchants?
How about all the money you saved by us giving up paper checks and their processing and mailing? These days I have one income check deposited directly, thus electronically, and another I take to the teller-less machine which accepts it and prints me a receipt without you even having to deal with a deposit slip, let alone print one up with your cute logo. Did all those tellers who knew me and smiled at me on payday cost you less or more when they were replaced by machines? Now that you send me my statement online and do not have to mail canceled paper checks, does it cost you more or less? Too, it must be saving you money when you fail to return my phone calls about a problem I have twice used my car and time to come into your office and discuss. After all, the people concerned seem always to be out of the bank when needed, so they can't be costing you payroll.
Of course, dear bank, since your offers of free checking and the use of the very nice debit card established a relationship that has lasted more than forty years and given you first chance at getting my two home loans, three car loans, two equity loans, retirement CD and brokerage business, perhaps I should just be grateful. Or perhaps not.
Your customer through three mergers, numerous credit cards and a home mortgage crisis which every major news outlet tells me you definitely helped to create AND which lost me tens of thousands of dollars in retirement equity.