Last time I was talking to a real live human person at my bank, we had a short chat about the fact that I was paying a bucketload of bank fees every month. I mean, I'm putting someone's kids through private shool with my bank fees. A top tier one. To their credit my friendly bank representative volunteered the fact that there were much better account products that they had than the old fashioned account I have had forever and aye.
So, with a five minute telephone call I've switched to an account that aside from a $3 fee per month (eh, whatevs), means I will only have to pay a transaction fee if I withdraw money over the counter at a branch. Given that I never do that, score! I am a committed internet/eftpos/telephone banking user (it's the way of the future!) and was a paying a heap in excess ATM fees on top of a $7.50 a month account fee. Crazy!
And I added a fee free debit Mastercard (see: OMG, internet yarn shopping!). And a second fee free account just for savings (for if there is anything left over after the internet yarn shopping).
It really pays to ask.