I recommend making cold storage free initially to drive early adoption. Your first goal should be to grow and become the dominant bank before competitors arrive.
It amazes me that most Bitcoin exchanges charge fees right now. They should instead focus on attracting customers today and monetize later. How else can they hope to diplace Mt. Gox?
Good luck.
I'm am not sure about the exchanges, because our goal isn't exactly the same as theirs... ours is to make bitcoins an actual usable currency... their goal is to covert bitcoins to other currencies.
That's a way differing mission.
We would rather see everyone use bitcoins to do normal commerce.