Well since we are discussing about the benefits here on the forum I see no harm in asking a question which I know sounds stupid. Better be stupid then not asking anything and later finding it out that hey if i did some research or yabber jabber last time then i wouldn't be paying extra $5 to $ 10 per month, from which $2 can go to some random homeless kids education in some countries or the rest going back in your own pocket. I reckon charity begins at home but little sharing wont hurt.
YES BANKS are BUSINESS but they won't be unless we don't keep all our money in. Oh I'm not a banker but they make money from your money and when they go bankrupt they give you only some part of it not ALL OF WHAT YOU STORED IN IT.
If I owned a business i would never give it for free unless I own a BANK mate. Thank you for not answering the question, have a good one.