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  1. This change, lobbied by merchants, was intended to lower the costs for merchants and ideally consumers. The other, unspoken agenda in adding these fees is that these banks are hoping that those who use their debit cards will simply switch to a credit card, which will be more profitable for the bank if these customers end up paying interest on their debt. They threatened Congress prior to the passage of the legislation that they would retaliate by increasing fees and they have delivered. These greedy banks still get 23.9 cents per swipe, ATM fees, and the needed liquidity that you allowing them to hold your cash provides. I’ve been spoiled by Bank of America’s online bill pay, and most other banks aren’t as good. Offers with credit unions can vary, but the 3 banks that made the list all offer: I’m a big fan of Ally Bank because they don’t do business like other large, national banks. credit unions are not-for-profit, cooperative, tax-exempt organizations.