The big banks are tired of you leeching off them. For years, they have given you free checking in the hopes you would also take out a mortgage, run up your credit card balance or stash away a tidy sum in your savings account. But instead, you've been content to use your checking account and bypass the bank's other offerings. In short, you aren't making them any money. So the free ride is ending at many banks. Big names such as Wells Fargo, Bank of America and Chase have either enacted fees or restrictions that make their free checking not so free or are said to be planning these changes. According to a Wall Street Journal report, bank customers must now maintain an average minimum checking balance of $723 to avoid fees. What's more, the average monthly fee on non-interest bearing checking accounts has risen to a record $5.48. Maybe that doesn't sound like a lot, but then you have your rising ATM fees, overdraft fees and even, at some institutions, maybe even debit card usage fees.