The President believes -- I think clearly, and as I've restated here -- that banks have an obligation to take responsibility for what was caused for their role in that, and to step up to the plate now and be part of positive economic reform and positive economic recovery.

WHITEHOUSE: Press Briefing

Only when a positive employment trend has been sustained enough to improve the lending environment will most banks step up to the plate with higher rates on savings accounts.

FORBES: The Meaning of Sub-8 Percent Unemployment