After Reading Comments On This Site About Citicards Adding Annual Fees

After reading comments on this site about CITIcards adding annual fees, and members closing their accounts.  And also reading of Darby Direct's potential breach of contract, I found this brief article very ominous, regarding CITI checking accounts:

http://seekingalpha.com/article/189605-citi-warns-of-withdrawal-gate?source=article_sb_popular

I'm beginning to wonder what the future of banking is going to look like.  It's beginning to look very unfriendly.