Banks have decided to pass the fees on to their customers and here is why. Congress passed a bill limiting the amount of fees a bank can charge it’s merchants for credit/debit card use by its’ customers. Therefore, banks have decided to make up for lost fees and charge their own customers a monthly debit card use fee. Some banks have began implementing the fee, others like Bank of America will begin in early 2012. This is ridiculous in my opinion! To find out more, click the link below.