Their competition is an Internet calculator that does plus and minus: http://bitcoin.org People send these numbers to eachother, subtracting from one account and adding to another, with extra security by running on a Linux USB stick for those who need it, and encryption to protect the plus and minus. Computers are very good at plus and minus.
Just a few years ago banks were doing those calculations on paper. I had to write my address and amount I was depositing and account number with a pen to do the plus calculation. Primitive. Some banks still do that.
Make a big deal of plus and minus and you'll become obsolete by those who know how to make computers securely do basic math for far less than your $30 fees, as if plus and minus deserve such a big fee.
There is 1 big service banks provide other than plus and minus, which is to take your money back from those who have wrongly taken it from your account, but Bitcoin, for example, obsoletes that too by not allowing anyone to take money out of your account without your permission/password, which can be given to open source software (the only kind of software that can be trusted since whats in it is not secret) to automate things. A bank account number for putting in money is the same account number for taking out money. There are Public Keys and Private Keys (encrypted password) for that, in Internet money systems. Public Key receives money. Private Key sends it. Your account number and address, everything you need to spend money from the account, goes out on every check you pay to anyone. Here's my password. I trust you not to use it since the Bank will make sure you go to jail. Identity Theft is caused by banks, and businesses who copy their strategies, having bad security built into the core of their business model.
Bankruptcy is the future of any business which primarily depends on plus and minus as their major service. Obsolete.