A credit union has done nothing wrong if it chooses to offer free checking and a large bank does not. Neither does a large bank need to apologize if it chooses to offer many ATMs and a credit union does not. ATMs are expensive to operate. If Congress restricts the ability of banks to recoup their costs, there may be fewer of them in the future. Others might want to pay a little more, so they don't have to drive as far.
People have the choice now.
If the D'Amato bill passes, they may not. Enter words describing a concept or keywords.