Banks now want you to pay for face time, as more institutions charge fees for what was once the ritual for withdrawing and depositing your money: interacting with a teller.
The banks are finding that more customers are like Calee Himes. In 2007, Himes had just graduated from college and was looking for a high-yield savings account to stash away hard-earned money from her first job. She had a traditional bank account at US Bank and one with a local credit union, too. What she needed was something that earned interest and didn't charge a fee.
Himes settled on an Internet-only ING account, which became a Capital One 360 account when that company bought ING last year.
"What I love about the account is that I can transfer funds to and from any of my other accounts from other banks with ease," said Himes, a fitness guru and graduate student in Iowa. "As far as banking goes, I don't do a whole lot of it."
Customers like Himes are the perfect target for banks charging these new fees. At Capital One 360, a customer forfeits the in-person experience to save money. If the app or website is down, a customer must send a deposit by mail.
(Read more: Yet another bank fee could be a pain in the app)