You think your checking and savings accounts are paying you nothing now?

Just wait until Dodd-Frank is fully implemented.

They will be paying you negatively, i.e. charging you for services such as ATMs, tellers, and FDIC insurance.

These costs are currently covered by the banks who are able to invest a portion of its deposits to earn returns. Dodd-Frank will constrain these investments, and thus reduce returns; hence, the costs will be shifted to account holders.

Thanks, Chris-Barney. Photo link here.