With the exception of bill payment, online banking fees have mostly disappeared. In the U.S. even bill pay fees are under pressure, especially in Bank of America’s markets, where it’s been advertising free bill pay for more than a year. However, you shouldn’t give up the notion of charging for online services. On the contrary, as more users go online, there is a much bigger market for premium services along the lines of American Express and Federal Express. Following is our list of potential fee-based services and the range of potential charges. The “Low” column lists the range of fees geared towards consumers, while the fees in the “High” column are more appropriate for small businesses.