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

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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.

Published on: August 30, 2010
Author: Mercator Research Team
Alternate Point of Contact: Amy Dunckelmann

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