You might be breathing a sigh of relief after the recent changes to banking fees that have taken place under the Credit Card Accountability Responsibility and Disclosure (CARD) Act. You’re probably feeling a bit hopeful about improved bank customer service and you might even believe that banks are actually starting to care about consumers and the fees they’ve been saddled with. Well, you can put all those happy feelings away because that’s not the case. Just like most businesses, banks are about making money. As a result of the changes (which includes a ban on overdraft fees unless consumers opt in) revenues have taken a hit. How are the banks going to make up the difference? By creating new fees, that’s how.