Some banks have gone so far as to assess a fee for dealing with a teller. The market, rather than a regulatory agency, deems what's permissible. The banks are also making money by selling new products such as securities and insurance. There is a bill in Congress that, if it passes, would blur the distinctions between the banking, securities and insurance industries. There are a tremendous number of institutions that are quasi-banks without being banks.
Brokerage firms offer checking accounts, insurance companies fund construction projects, and so on.
The intent of the bill is to level the playing field. It just never seems to get through. As with other industries, banking is getting its share of mergers and acquisitions. The banks doing the merging and acquiring say it's all for the good, that bigger is indeed better. These banks have the resources to provide an array of the most advanced services and to spoil the customer with convenience.