Because the banks charge a fee (well, some of them do). I know that sounds stupid but it's the truth. There is no law against banks charging fees like this, ba

Because the banks charge a fee (well, some of them do). I know that sounds stupid but it's the truth. There is no law against banks charging fees like this, banks like to make money (don't we all!), and (significantly) banks don't seem to lose customers by charging these fees.