Mega banks – those with more than $10 billion in assets – will have to pay more for federal deposit insurance under a new regulation set for final approval today. The charge, part of reforms that were passed in the wake of the financial crisis, could cost Bank of America Corp., JPMorgan Chase & Co. and Citigroup Inc. about $1 billion more per year, Reuters said. Approval of the rule would shift some of the burden for maintaining the Federal Deposit Insurance Corp.’s insurance fund off of smaller banks. Community banks lobbied for the change, arguing that large banks pose more risk to the financial system and so should contribute more to the fund. The Independent Community Bankers Association estimated the change would save banks with less than $10 billion in assets about $4.5 billion over three years. If approved, the rule would take effect on April 1.