Banks could be changing the way they operate the accounts, as the main street banks have been pressured in the way that charges customers problem by breaking the terms, as superior to those found in agreement. This means they will have to explore new avenues to increase revenue, which is likely to lead to the end of free banking.

Paid accounts, mortgages and overdrafts be affected by the changes, as confidence in the important posts made to reduce customers.

An innovative trial has been ongoing for these positions for some time involving a number of banks. The Supreme Court is expected to rule on whether the Office of Fair Trading can assess their fairness in the coming weeks.

But despite the outcome of the case, banks are taking steps to prepare to survive without this source of revenue gain.

Richard Kibble, a partner at PwC, said: "The accounts appear to be heading towards a very different structure,

"Banks are preparing for that. They are reviewing the options for a new market in which banks will not necessarily be free."

If the banks lose the case, your benefits will be substantially reduced, while margins are being squeezed due to low interest rates and the need to offer high rates of savings accounts to attract deposits.

The banks could still lose even if they actually win their case, because the government can put pressure on them to reduce unauthorized overdraft charges.

"Whatever the outcome of the case, the banking sector will change as we know," says one analyst Which4U.

One of the first big banks to respond to the current case was the 70% is owned by RBS government, after cutting the rate charged to customers who exceed their overdraft limit in half, from £ 30 and £ 15.

"If you look at the moves already made, that is a very strong signal that the charges are completed," said Mr Kibble.

British banking is unique in the way that customers can now bank for free. The rest of Europe and the world are used to account keeping fees. But this may be about to change.

There are a number of ways in which banks could replace this lost income through reduced rates. However, the actions most likely include looking at the monthly account keeping fees for basic services, including overdraft facilities, debit cards and even books of checks. Another option would be to take the pay-as-you-go "approach, under which the charges apply to transactions and cash withdrawals.

This means that banks face a big challenge, to persuade customers who are used to pay a bill not to accept paid-for accounts.

We find that in the initial stages, the banks show a reluctancy to lead the group in the areas of premium accounts, as this could significantly damage their customer base. For this reason, it is likely that banks will offer something to attract customers, such as introductory offers, without charge for a fixed period.