Banks are in the business of making money. Same can be said for every business. Save Win Club wants to make money because if we make money we can do more for our members.
Banks are very regulated, which is why the US has the best banking system in the world. FDIC and other insurance programs are vital to protecting your money.
But all of that regulation comes at a cost. Small dollar checking and savings accounts cost the banks money to keep them open, which is why banks charge fees on most accounts with less than $5-$9K.