In this Jan. 31, 2011 photo, Bank of America customers use ATM machines in New York. The third quarter earnings that banks have reported, Tuesday, Oct. 18, 2011, show that they are struggling to make money the old fashioned way, by lending to consumers and businesses, when interest rates are at historic lows. New rules have stunted the banks’ ability to collect certain kinds of fees like checking account overdrafts and late credit card payments, so they’re making up for it with new charges like Bank of America’s $5 monthly fee for using debit cards, which ignited a public firestorm that reached all the way to the White House. (AP Photo/Mark Lennihan)
