[anaerobicover]

> It's in their interest for your money to sit in your account theyre investing elsewhere or for them to charge you various service fees.

Generally true, but I have suspected that banks have begun getting payments from the payment processors, however (Mastercard/Visa). Most recent time I created my checking account the bank nearly insisted that I have a debit card although I strongly preferred to have only ATM access with it. Additionally the largest banks have most certainly figured out squeezing fees from people for use of the debit cards.