customers have a debit card, but don???t use it, they won???t incur the fee.) The fee won???t apply to A.T.M. transactions, and it won???t be charged to customers with certain premium accounts, a bank spokeswoman, Betty Riess, said. ???The economics of offering a debit card have changed with recent regulations,??? she said.Bank of America joins banks including SunTrust and Regions in charging the