Got your point, but people nowadays are not thinking that bank will make you rich. Its main purpose is to keep your money safe, make some third party transaction, helps you pay bills and purchases online and give them some money for their services they offered. Bank is also a business, it need to gain income for the employees and for the owner. They are the one who are getting rich day by day. I dont know if all the banks have hidden charges but i am sure most of them have. They just slowly sucking money out of us that is undetectable. But still, banks are very useful if you really have a big money and afraid of keeping it at home.