You are very right! banks aren't keeping to the sweet words they say in their search for customers, imagine cutting huge sums from your account for maintenance, electronic charges while still debiting you for each transaction, still yet getting physical access to your money becomes a problem.
Got a problem with than recently, It took me a 3 weeks just to have an access in my online banking account. I was the one walking and was disturbed because I had to call the landline and they were not satisfied, they still wanted me to go to the physical bank for signatures even though the nearest branch of the bank was very far from us. He is a hassle so what I did was I diversified even if it was just a savings account