[Sir Krustin]

...which is a pile of bull.

They used to charge us (up here in Canada) for using the teller as an incentive to use the ATM, thus saving them hiring tellers.

Now they charge a fee for using a teller or an ATM. You get a set number of transactions "free" with your monthly fee, with additional transactions costing you more.

We used to have a middle ground for banks up here, called Trust Companies - but they changed the law a while back allowing the chartered banks to merge with the trust companies. Now they're no better than the chartered banks.

Credit Unions are getting a bit endangered now, also.