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my what? fee pay for the bank fee. this commercial is running in bank of america s hometown. charlotte metro credit union says it s suddenly seeing a 350% increase in online account applications. nationally, traffic to this credit union locator website has more than tripled. when you open up account, you re an owner of the credit union. where banks have investors. we have the ability to pass on saving. wells fargo ceo says maintaining the vast atm network and other services large banks offer costs money. there have been studies done by the federal reserve and others to subject a checking account costs between 200,00,000 jobs a year. there is a cap on what they cost merchants for the transaction. what is once average fee of 44 cents is maximum of 24 sense.