This may be a regional difference, but we make most of our money on fees. Cashflow isn't actually worth that much in the current economy. Not that it matters t

This may be a regional difference, but we make most of our money on fees. Cashflow isn't actually worth that much in the current economy. Not that it matters though, I was trying to make use of the "common knowledge" that banks make money from your deposits, and that therefore you spending your money instead of depositing it in a negative return account is costing us potential revenue. I know that's not how banks make money, but it's the culturally accepted explanation for how banks make money.