Back to basics, banks need to lend to make money and not through fees. Improve products and customer service (do not hire mercenaries as CS reps). Incentives for people to continue to bank and add more accounts (savings).
Need to help build confidence in banks. If people start closing accounts and reduce savings, banks will further sink and will take the economy further down. Also banks will have to reduce work force and increase unemployment.
Credit score agencies/system not helping the banking system. If default (miss payment) heavy punishment but little reward to recover and improve credit score.