[nkurz]

I'd be interested in what the breakdown in costs is. Searching a little, it looks like the higher estimates may be based on dividing the total costs keeping the lights on in the bank by the number of checking accounts: https://sandbox.bankrate.com/financing/banking/what-do-you-r...

I'd guess that the costs of administering accounts probably scales with account activity. I'd also assume that to some extent, increased account activity correlates with increased fees. Do you have any more details on the breakdown of costs? While they might not be able to target just customers they want to keep, I have trouble believing that they are continuing to offer services that lose them money.