If others follow, it would reverse the shift to "free" banking over the past decade-largely financed by rising debit-card fees-which made millions of poorer consumers bankable.

若其他银行也效仿此法，这将颠覆过去十年来的“自由银行制”——很大程度上靠提高借记卡收费来养活银行——从而招揽数以百万计消费能力较弱的客户。

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The card groups claim that the recent popularity of debit cards in America reflects a fundamental shift in spending habits.

ECONOMIST: Debit cards