Sometimes the banks are talked-up thus  'how fortunate we are to have a safe, well regulated banking sector unlike other troubled economies'.  Others indulge in bank-bashing.  Profit takers, gross salaried CEOs.
The ease of banking services cannot be denied but banks have access to our entire financial activities and have opportunities to charge fees for all of this "service".
Whilst our funds come and go from our accounts mainly 'on paper' alone, at arms length,  it means less likelihood of carefully managing our savings or our spending, and is a situation that really suits the banks and the consumer society.
When it comes to fees where are the economies of scale that could be enjoyed by customers?
Surely computers aid economies of scale. Not this time.
The National Australia Bank (NAB) has a serious computer malfunction and has failed to transfer salaries into customer accounts these past several days.
Is it a virus? a hacker? a competitor? At least no one has suggested the bank has run out of funds.