In this Thursday, Dec. 13, 2012 photo people use a Bank of America ATM in Boston. Banks including JPMorgan Chase, U.S. Bancorp and Bank of America seized on government payments for unemployment compensation  as a business opportunity and pitched card programs to many states. However to cover the costs of the programs, banks have  hit all card users with a plethora of new fees. (AP Photo/Charles Krupa)
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