We know banks give heavily to charities, and Wall Street donations to Sandy-related causes have already been forthcoming. Better still, some banks are giving the average customer a break. As Sterling Wong reported yesterday, Citigroup (NYSE:C) and TD Bank (NYSE:TD) both made immediate announcements saying that overdraft fees, late fees, and fees incurred for using out-of-network ATM fees would be waived throughout storm-hit areas. American Express (NYSE:AXP) said it would work out flexible payment schedules for storm victims.