Comment by ValentineC

> I don't pay anything for my bank account, but there will absolutely always be a human at the bank I can talk to about problems. It's also not as if users aren't paying for Gmail, business users are paying for it with currency, regular users with data.

Not only this, but most banks have to be members of a consumer arbitration body, or need to be overseen by an ombudsman.

But this still wouldn't stop any bank from using their contractual rights to terminate a relationship if it may be unprofitable or risky to them.