It's already been happening for quite a while. Why do some checking accounts have a monthly fee?
When I left for college, I closed the first checking account I had ever opened. For the prior couple of months they had been charging me. When I went in, they tried to tell me they were moving everyone to free checking, but I wasn't going to listen to it, since had originally opened this account as a free checking account.
You are right some current accounts will charge a monthly service fee, however there are many accounts out there which don't charge a monthly fee! However these Negative interest rates could soon be effecting everyone.. Instead of receiving interest on your money, you will be losing money... You did the right thing!