I’m not sure what you mean. Many banks already charge fees for a regular bank account? I lived in the US for a couple of years and had an account with Wells Fa

I’m not sure what you mean. Many banks already charge fees for a regular bank account? I lived in the US for a couple of years and had an account with Wells Fargo. They charged $15 / month (!) but waived the fee if the customer keeps a balance of a few thousand dollars, or gets a regular paycheck. So I never paid the fee. Now living in Finland, my bank theoretically charges something like 3 EUR / month but I still don’t pay it because it’s offset by customer bonuses I get from having my mortgage with this bank. So really these monthly fees are a way of weeding out inactive customers.