Bit of a teaser here from Bank of America. 

Bank of America Corp.is aiming to expand its wildly successful free online services into the mortgage arena.

Source: BankNet 360 – TOP STORY: BofA to Expand “Disruptive” Free Services

In the past they have implemented free bill payment, & “keep the change“.  They are suggesting this new implementation is for mortgages.

Speculation:  I recall listening to Susan Faulkner speaking at a conference and mentioning affinity cards being expanded to mortgages. She specifically hinted at a Red Sox Mortgage as an example.  This concept was a build on the highly successful MBNA affinity experience, and seeking ways to lever that learning across the banking suite of products. Not sure how this ties to the ‘free’ comment, but could this be tied to the news?