To amend the Federal Deposit Insurance Act to prohibit insured depository institutions from charging consumers fees for the use of debit cards.

Amends the Federal Deposit Insurance Act to prohibit an insured depository institution from charging a fee to any consumer for receiving or using a debit card.

Subjects violators of such prohibition to civil liability for: (1) actual damages sustained by the consumer of between $100 and $1,000, (2) such punitive damages as the court may allow, and (3) the costs of a successful action together with reasonable attorney's fees to enforce liability.