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    This individual Note Retail Checking Account Fee Structures: Revenue Stream Model Comparisons and Theoryis available for purchase. This Note is available to members of Mercator Advisory Group’s Debit and Alternative Products Advisory Service. Please be advised that this Note is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Note contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

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Retail Checking Account Fee Structures: Revenue Stream Model Comparisons and Theory

Much of the current U.S. population cannot recall a time when they actually paid to have a checking account, but a reminder is on the way. The enactment of the Dodd-Frank Bill containing the Durbin Amendment is poised to turn back the clock to a period when free checking wasn't free. As the industry grapples with the expectation that another large chunk of non-interest income may soon be cut off and the market begins to compete not just on function, but on price, it may a good time to pause and examine how services are valued in countries outside the U.S. and how U.S. financial institutions can begin to re-educate consumers (and themselves) on the value of their services.