Banks will still get their money so I hope merchants enjoy their reduced debit card charges while the rest of us pay in other ways...This will also be the death of free checking...I believe the big boys have already done away with most free checking options so it won't be long before the smaller banks follow suit

http://www.huffingtonpost.com/2011/0..._n_836959.html

Bank customers could face $5 ATM fees.

In Illinois, JPMorgan Chase is testing $5 fees for non-customers, in Texas, it's $4. If the trial runs make enough money, the fees could be rolled out nationwide, the Wall Street Journal reports.

HSBC has already hiked rates, charging all non-customers $3 for using the banks' machines. TD Bank, and PNC Bank are now charging their own own customers $2 for using out-of-network ATMs, unless they sign up for accounts with monthly fees as high as $25, the paper reports.

Faced with losing billions of dollars in revenue once new regulations limiting debit card and overdraft charges kick in as part of the Dodd-Frank financial reform bill, banks are looking for new ways to make money. The same scramble led Chase to consider a $50 spending limit for debit cards.