If banks really cared about their customers...

If you're a banker, please whip out a pad of paper and start taking notes. I have some ideas.

Don't get me wrong. There have been some positive changes lately in how banks are treating their customers. For instance, while overdraft fees haven't exactly been eradicated from the planet, Bank of America is getting rid of most of theirs this summer, and other banks are softening the blow a little, too. Starting in April, U.S. Bank will have a kinder, gentler overdraft policy. It won't charge someone an overdraft fee for a mistake under $10, and won't give more than three overdraft fees a day, which, regarding that last part, is a little like a mobster telling their victim that instead of clubbing them over the head with a crowbar, they'll use a wrench instead.