Mobile banking and high fees have led to a decline in consumers' demand for overdraft protection. Bank revenue from overdraft fees fell in 2010 and 2011 because of Federal Reserve rules that changed how banks can charge for “overdraft protection.” Banks reported higher fee revenue in 2012 because of hikes in overdraft-related fees, but there are reasons to believe that these costs have hit a ceiling. Consumers have noticed the fee increases, and many are switching banks because of them. Fewer consumers also are listing overdraft protection as a necessary feature, and consumers are overdrawing on their accounts less frequently. Additionally, consumers now have better resources to help them avoid fees -- such as using mobile devices to check their balances.