“Your free checking account may even go away — or it may require a higher minimum balance. Bank of America, Citibank and other giants have recently added fees to some checking accounts, and other banks are likely to follow. If the Federal Reserve goes through with a proposed limit on debit card interchange fees, the big banks stand to lose much of the $16 billion that they earned from debit cards last year. They’ll try to make up for that loss somewhere else, and new fees will be part of the equation.”