Guess what? Next year Bank of America (and possibly other large banks) will start charging you for using your debit card (which is your money they have interest free in your checking account). So they will charge you $5 a month for using your own money, in addition to charging a lot of people for their checking account. Here is an article about it:
http://www.latimes.com/business/la-fi-bank-fees-20110930,0,4196401.story
They have to pay for their Christmas party somehow.