For Ma and Pa Kettle, they are getting less on their CD's, but that is primarily related to the current market rate conditions. Their mortgage rates are lower now than 10 years ago. If they overdraft their accounts, sure they'll pay more, but in a lot of ways consumers have really been spared additional costs. Companies are seeing the biggest hits with decreased earnings credit allowances and increased per item fees. Even then, most banks have not yet passed all of these costs accrued to their depositors. That will be recouped over time. Shareholders of these stocks are feeling it though.