If this means the salesperson has to take extra time to go over the various fees involved, so be it. If you would feel more comfortable with a written, itemized list of all the fees pertaining to your choice of fund, based on the amount of money you are investing, ask for one. Above all, don't feel pressured into signing on the dotted line. Take your time, go home, think it over. You should do this in any case.
All mutual funds charge a management fee.
It doesn't matter if you buy from a bank, trust company, broker, or the mutual fund company's own salesforce, you will pay a management fee. It doesn't matter if it is a load or a no-load fund, you will still pay a management fee. These fees are usually given as a percentage of the fund's total assets and pay the administrative costs and the wages and bonuses of fund managers. Management fees are deducted before the quoted performance numbers are calculated. In other words, you won't get billed personally.