If you have a checking account with Wells Fargo, look out: The megabank is about to start charging some customers $3 a month to access their own money. According to a fee schedule the bank recently released, customers in Georgia, Oregon, Washington, Nevada and New Mexico will have to pay $3 every month to make purchases using their debit cards. The new fee took effect on Friday, and the company describes it as a test. If it creates widespread outrage, that could mean the bank will drop the fee entirely. But if customers accept the idea of paying $3 a month for the privilege of using their own money, the practice could become permanent nationwide/Credit.com. More here.

Question: Wells Fargo is starting small by instituting its debit card charges in five states, including Washington. Bank of America, of course, did this recently, too. Will a fee charged by the money changers to use your money cause you to switch banks?