There are fees and charges on virtually all types of accounts, especially credit cards, checking, savings and ATM transactions.
Fees are a jungle that few people understand.
No matter where you now bank, shop at least five or six other outfits. Match these against your personal banking behavior to find the best deals. You can be penalized even if your payment arrives one day late because of post office delays. Many card issuers today raise your interest rate by 4 or 5 percentage points if you're late with only one or two payments. Grace periods are getting shorter, such as 20 days instead of 25.