How do banks make (a lot of) money?

It is quite simple:

- you deposit your money with them, mostly for zero interest
- the bank now have a big, bloated apparatus of highly paid people that do something equally simple: 

- they give the money to other people for a very high interest

 - and the bulk of the banker are not even very creative in that: the money goes to governments, companies and private individuals like yourself (and note: because that business is obviously quite boring those bankers who wanted to be "creative" fell so easily for all those exotic products that created the whole financial crisis that we are still in!)

- Case in point: if you like to get an overdraft or credit card loan (from the same bank you deposit your money at zero interest) you pay 12%, 15%, in some cases more than 20% interest!!

- now: given that the vast majority of bankers is by no means smarter than you (but rather greedy and stupid, as we have all learned), you can do their job better yourself

Quite simply, with MyOwnBank you set up your own "bank" immediately!