So shouldn't depositors getting charged fees from banks to hold their money in already?
Corporate accounts are already being charged fees regardless of balance. I know this from first hand info. Low balance personal account holders have been charged fees for years already. I don't know specifically about large balance personal accounts (250k+) but that's generally been the publicized target accounts, along with the corporate accounts. Easy enough to verify, if you know anyone with a 250k+ personal account. I don't.