Food For Thought...
So, this might be an opportune time to "start courting" the banks in earnest. Let's make a date of it. If the financial institution feels the threat of getting cut out, they'll be more willing to listen to a program that cuts them back in. (yes, there are "a couple" analogies)
Pay By Touch would certainly like to develop more banking relationships, and they could easily implement a plan that provides a slice of their transaction rate pie back to the bank where the consumer has their DDA. (Demand Deposit Account...A standard checking or savings account into which electronic funds can be transferred.) Using an S&H GreenPoints derivative for a debit reward program would seem to make some sense here as well.
So let's wine 'em and dine 'em and make it more than just food for thought.