Banking: Out of Control Bank Fees in America

In America when you do what the bank calls a wire transfer, but which basically is an electronic transfer handled by computers from one bank to the other, the sending bank charges a minimum of $20 for sending the funds and the bank retrieving the money charges $ 15.  

Using an ATM costs an average of $1.97 -- and that's when you use your own bank. The average charge for out-of-network ATM fees is $3.43. In addition, overdraft protection has gone up 2.5% in the last year and currently averages $28.95.  If you want to earn interest on your checking account, you need to pay a yearly fee of $12 and keep a minimum balance of $3,500.   

Unfortunately we have had lots of talk,but no banking regulations so far.