I had a nice letter from a bank today. I maintain bank accounts for a local association, and we have two accounts with this bank.
The letter states that they are pleased to inform me that as of 30th Dec, I will have unlimited use of their standard banking services – free of charge, and in exchange for this, they won’t pay me the nominal rate of interest I currently receive. Except we never incurred any banking charges anyway, so we gain nothing, and lose out on the interest they currently pay us. Er, thanks for nothing.