company is "being a good citizen and doing the right thing." Any decision on A fees will ultimately affect the bank's customers, its image in the community and industry, and its profitability for its owners. Questions to Address 1 From the standpoint of a commercial bank, can you find any economic justification for ATM access fees? Based on the scenario described for our bank, do you find any ethical issues in this situation? Or do you find the main issues legal and economic rather than ethical? As an officer for this bank, how would you handle this situation? 2 3