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They are going to hit you with fees for checking, debit cars for all the rest. they are really going to serious. >> heather: they say we won't charge you these fees if you have a checking account if you also do your more s and your savings account and everything else with us? that's the way to avoid the fees. if you don't do that they will levee these fees against you? >> yeah, in some ways you can understand the stand point of the banks. they have opinion hit with a lot of regulations and they do have to make it up. so they are going to the customers to make that up. >> heather: as we've seen...