I've been with Bank of America since 1996. I have never paid one fee with them. Either I can read the contract I signed with them or I'm extremely lucky. Since I'm not ultra rich I think it's not the second one.

Listen people. When you sign a contract you have to know what you're getting into. A mortgage is a contract. Opening a bank account is a contract. Read the damn rules and follow them. If you don't like the rules go to a competitor or a credit union. If they have the same rules then you better learn how to read.

A gem cannot be polished without friction, nor a man perfected without trials. ~Chinese Proverb

The early bird gets the worm, but the second mouse gets the cheese. ~Jon Hammond