From the annals of sneaky/creative banking...
Bank of America recently enrolled me in something called Keep the Change. I never asked them to, but I'm sure I silently acquiesced somehow by not responding to an email somewhere, or a footnote on a bill. That seems to be the sort of business practice they'd favor.
If you're unfamiliar with this program, it's a savings account which Bank of America creates on your behalf. After setting it up, the bank then rounds up every Visa debit card purchase you make to the next dollar and deposits the difference into that account. So if, for example, you order a $2.50 drink with your debit card at a gas station, the charge reflected on your statement will be $3.00 with the extra $.50 going into your shiny new savings account.
The average person probably doesn't keep very much money in their Keep the Change account. It trickles in pretty slowly unless you make dozens of separate purchases each day. As the extra "saved" cents trickle in at the end of each business day, I imagine most people probably just transfer their two or three bucks back to their checking accounts, or maybe apply them to their credit card balances.
The kicker, though, is that this little account has a $5 monthly maintenance fee. So BoA goes ahead and rounds up all of my debit card purchases for me, places the extra money into an account they made just to hold it, and then scrapes a little off the top for having done so. Amazing.
Talk about a circus sideshow for the express purpose of collecting some more money from people.
And then I spent 25 minutes on the phone trying to cancel it before I was finally able to do so. What a waste of $5.