The city's banks, which used to pay a uniform rate on deposits, will be forced to compete by offering higher returns. Raising fees, especially for specialized services like foreign-currency transactions, is one obvious way to plug the hole. You can't ask them to become a charity. Service charges are necessary to their survival. The first line of defense is to know what the charges are.
Some banks are at fault here.
Don't assume that you will be charged the same fee you paid last month, or that Bank A's fees are the same as Bank B's because they operate in the same jurisdiction or belong to the same parent company. Banks have different cost structures and customer strategies. This is true of banks in the same country too. Take tiny Liu Chong Hing Bank in Hong Kong. Customers pay nothing to deposit a foreign-currency check into their Liu Chong account.