Today, Bank of America bit the bullet and ditched the fees altogether.
The one bank that was a bit more frank that access to liquidity is an issue insists that the Bank of England's new and unconventional scheme to provide cash - the Extended Collateral Term Repo - will rectify things.
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Expectations for central bank action are a bit higher across the Atlantic, after ECB President Mario Draghi said last week that the central bank will do whatever it takes to save the euro.
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But the central bank also thinks a bit more competition would help.
Surely, Bernanke and Company could find a way to allow rates to rise a bit while making bank reserves more freely available.
And the reasonably valuable bit of the bank that RBS has been forced to sell by the European Commission is causing it even more of a headache than it feared.
Yet such initiative would have come to nothing if Daiwa had not allowed Mr Iguchi to run his own back office, the bit of a bank that handles the paperwork.
It is normal for bank lending to grow a bit faster than GDP in an emerging economy as the financial sector develops, but credit is outpacing GDP by an alarming margin in Argentina, Brazil, Hong Kong and Turkey.
He poked around and discovered that Amazon, eBay, Yahoo and Twitter were all using 512-bit keys, while banks like HSBC and US Bank, and payment provider PayPal were using only slightly stronger 768-bit keys.
Disentangling which shareholders and bondholders should own which bit of a divided bank would be a nightmare.
Their bank account has been affected a bit, but their lives haven't.
This interpretation of the Bank's mandate may seem a bit of a stretch, but it is prevailing for now.
In the short run it would probably be a bit of a tonic for bank stock prices and equity markets, but it doesn't do anything to solve the problem of the euro crisis at all.
Today inflation is a bit above 2 percent, and bank CDs pay almost nothing in interest.
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In fairness to them, they're a little bit caught in between, because bank regulators are looking at their books and saying, boy, that was a real mess.
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There are, it is true, pockets of inflationary pressure (in property, for example) but the authorities can cope with a bit of this: the central bank has just increased the reserve requirements for banks to rein in their lending.
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Sadly, handing the alleged wise men at the Fed control over prices is every bit as mistaken as allowing the central bank to manage unemployment.
That said, the downgrade is likely to make it a bit more expensive for the Co-op Bank to borrow, which doesn't help when its profitability is so squeezed (as it is).
But actually for me there is a more troubling ECB statistic - which is that eurozone banks last night borrowed 15bn euros overnight from the central bank (and a little less on Monday but a bit more at the end of last week).
The third possibility would be a combination of these: the GDP figures are a bit better than we thought (as the Bank of England has long believed), but we are also seeing a prolonged hit to our productivity, not just from the crisis, but as a result of subsequent re-balancing of the economy.
The bank's central projection for inflation shows it rising a bit further next year.
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The Carbon Fair in Cologne, organised by the World Bank, is the annual get-together of the second bit of the market.
Which is a bit of a pity as in recent times the bank has been rather bad at that manipulation of the money supply.
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Through a smart bit of asset flipping, it was the only bank that profited from the ill-fated takeover of ABN Amro, a Dutch bank, in 2007.
Goldman Sachs Group , Morgan Stanley and Bear Stearns Cos. dominate the market, particularly for equity prime brokerage, but a handful of commercial banks, including Bank of America and Citigroup , have been chomping at the bit to get bigger.
The greenback got a bit of a boost early in the session after Bank of Japan Governor Haruhiko Kuroda gave some clues on how the approach to monetary policy at the central bank might change under his control.
But you do come away feeling a bit better-informed about the thinking of our central bank and its governor.
Financials hang around, but are bit more hesitant, which makes sense with the Cyprus bank deal not done yet.
If you look past the ups and downs - made even larger, no doubt, by the extra bank holidays in June - the picture for UK exporters is a bit brighter than it has been for anyone focused solely on the home market.
Everyone out of debt, everyone with the spending power to buy the produced goods that companies need to sell to stay open, everyone with something in the bank to fall back on in the future, everyone with a bit of funds to invest for retirement, and most of all the amount of stress being felt by just about everyone lifted to bearable levels.
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