I would be perfectly happy to see the Federal Reserve, or even the FDIC, take over both banks, chop them into little pieces, and sell them off to a multitude of other banks. As an ex-NYCer, I have had checking accounts with both banks, and can assure you they treat their little customers like absolute crap. I believe they'd both love to get out of serving the "little people" altogether, but are too afraid of the majorly bad PR they'd get from such a move.
They're greedy, they're snobby, they're apparantly acting illegally. I say take them out with extreme prejudice.