求以下文章的准确中文翻译!

求以下文章的准确中文翻译!
Customers frustrated by banks’ controversial new fees are finding out what industry insiders have known for years: it is not so easy to disentangle your life from your bank. The Internet banking services that have been sold to customers as conveniences, like online bill paying, serve as powerful tethers that keep them from jumping to another institution.¶Tedd Speck, a 49-year-old market researcher in Kent, Conn., was furious about Bank of America’s planned $5 monthly fee for debit card use.¶But he is staying put after being overwhelmed by the inconvenience of moving dozens of online bill paying arrangements to another bank.¶“I’m really annoyed,” he said, “but someone at Bank of America made that calculation and they made it right.”¶Former bankers and market researchers say that it’s no accident. The steady expansion of online bill paying, they say, has emboldened Bank of America, as well as rivals like Wells Fargo, JPMorgan Chase and SunTrust, to turn to new fees on customer accounts as other sources of revenue dry up. The fees have caused an uproar among consumers and drawn sharp criticism from politicians, including President Obama.¶“The technology locks you in and they’re keenly aware of it,” said Robert Smith, who was chief executive of Security Pacific when it was bought by Bank of America in 1992. “It’s very hard for consumers to just ditch that.”¶For years, banks have openly sought to attach as many loans and services as they can to a customer, like credit cards, mortgages and mobile phone banking.¶What they haven’t mentioned are marketing studies like the one commissioned by Fiserv, which develops online bill paying systems, showing that using the Internet to pay bills, do automatic deductions and send electronic checks reduced customer turnover for banks by up to 95 percent in some cases.¶With 44 million households having used the Internet to pay a bill in the past 30 days — up from 32 million five years ago and projected to reach 55 million by 2016 — it’s a shift that has major ramifications for competition.

Customers frustrated by banks’ controversial new fees are finding out what industry insiders have known for years:it is not so easy to disentangle your life from your bank.The Internet banking services that have been sold to customers as conveniences,like online bill paying,serve as powerful tethers that keep them from jumping to another institution.¶Tedd Speck,a 49-year-old market researcher in Kent,Conn.,was furious about Bank of America’s planned $5 monthly fee for debit card use.¶But he is staying put after being overwhelmed by the inconvenience of moving dozens of online bill paying arrangements to another bank.¶“I’m really annoyed,” he said,“but someone at Bank of America made that calculation and they made it right.”¶Former bankers and market researchers say that it’s no accident.The steady expansion of online bill paying,they say,has emboldened Bank of America,as well as rivals like Wells Fargo,JPMorgan Chase and SunTrust,to turn to new fees on customer accounts as other sources of revenue dry up.The fees have caused an uproar among consumers and drawn sharp criticism from politicians,including President Obama.¶“The technology locks you in and they’re keenly aware of it,” said Robert Smith,who was chief executive of Security Pacific when it was bought by Bank of America in 1992.“It’s very hard for consumers to just ditch that.”¶For years,banks have openly sought to attach as many loans and services as they can to a customer,like credit cards,mortgages and mobile phone banking.¶What they haven’t mentioned are marketing studies like the one commissioned by Fiserv,which develops online bill paying systems,showing that using the Internet to pay bills,do automatic deductions and send electronic checks reduced customer turnover for banks by up to 95 percent in some cases.¶With 44 million households having used the Internet to pay a bill in the past 30 days — up from 32 million five years ago and projected to reach 55 million by 2016 — it’s a shift that has major ramifications for competition.
客户受到银行有争议的新收费都发现了什么业内人士已认识多年：它不是那么容易解开你的生命从你的银行.网上银行服务已出售给客户的设施,如在线支付账单,作为强大的束缚,让他们跳到另一个机构.¶特德斑点,49岁市场研究员在肯特,康涅狄格州,是愤怒,美国银行的计划5元的月租费借记卡使用.¶但他呆在被淹没的移动不便许多网上账单支付安排到另一个银行¶.”我真的生气了,”他说,“但是有人在美国银行,计算和他们的权利.”¶前银行家和市场研究人员说,这不是偶然的.稳步扩大网上支付的账单,他们说,使得美国银行,以及对手威尔斯,摩根大通和阳光,转向新的收费对客户账户的其他收入来源枯竭.费用已经引起一片哗然消费者和政客的尖锐批评,包括奥巴马总统.¶”技术把你锁在他们敏锐地意识到这一点,”罗伯特说,谁是首席执行官的太平洋安全当它收购了美国银行1992.“这是非常努力为消费者只是沟.”¶多年,银行公开寻求附上很多贷款和服务,他们可以给客户,如信用卡,银行贷款和移动电话.¶他们没有提到的是营销研究像一fiserv委托,开发在线账单支付系统,显示,使用网络支付账单,自动扣除和发送电子支票减少客户流失的银行高达百分之95,在某些情况下.¶与44000000户使用互联网支付账单在过去30天,从32000000五年前,预计将达到550000002016-这是一个转变,有重大影响的竞争.