Banks are never going to do this in any kind of widespread way.

There may be a few that try this, but in any kind of city or town where there is banking competition from regional & community banks or credit unions any bank that does this will get waffled by competitors who don’t.

In my local area of PA there are still giant billboards from credit unions like People First and from smaller local banks like Embassy Bank that are still going after the big boys like Wachovia and PNC.

And they in turn the big boys are still offering most of the free-bees that they were offering four or five years ago.

I think this will be based on whether the bank has enough competition. If they don’t then I’m sure they will try to “fire” their customers.

But if they do then doing this would be stupid.
It would just create a mass exodus to competitors.