You have given a well detailed explanation on how to maintain our money to prevent it from severe lost through different means of bank charges.
Majority of banking system don't deal with Free system, even online banking have one way or the other in which they remove fees.
Even using ATMs too, the Debit card , there's certain amount being removed every month for DC maintenance.
Other options too might work out too, but I'm sure in one way , bank will remove some fee which one might not even be aware because it's very small, but those little amount will turn out to be big for them.
Always important to read the rules guiding any community on hive before posting to any community.
We are learning everyday.Nice post! But it could have been best if you posted this in #leoFinance.
Well done!
#dreemer