NYT: Banks Quietly Ramping Up Costs To Consumers

More bank fees and lower deposit rates are likely as described in this New York Times article:

But they [banks] are under intense pressure to make up an estimated $12 billion a year of income that vanished with the passage of rules curbing lucrative overdraft charges and lowering debit card swipe fees. In addition, with lending at anemic levels and interest rates close to zero, banks are struggling to find attractive places to lend or invest all the deposits they hold. That poses another $8 billion drag.