Credit card rewards programs are in trouble, now free checking could end.  From the American Banker:

Resistance among regulators and consumers has intensified against the revenue model that for years has propped up free-checking: The charges levied against the relatively small share of customers who pay for account overdrafts and nonsufficient funds. As scrutiny increases over how free checking works, the business model that underlies what has become an industry standard may have to evolve.