Remember this when banks threaten to charge for ATM use 'and be outraged

Remember that they are lending your money out several times over and making profit on the interest. By having your money in their bank, you are giving them the means to makes huge amounts of further money -that alone should be sufficient fee for you to have elementary access to your money. Anything more is egregious profiteering.

Check it out; it/s so basic that you'll find this kind of info all over the internet.

Fractional reserve banking - Wikipedia, the free encyclopedia: The nature of modern banking is such that the cash reserves at the bank available to repay demand deposits need only be a fraction of the demand deposits owed to depositors. In most legal systems, a demand deposit at a bank (e.g., a checking or savings account) is considered a loan to the bank (instead of a bailment) repayable on demand, that the bank can use to finance its investments in loans and interest bearing securities. Banks make a profit based on the difference between the interest they charge on the loans they make, and the interest they pay to their depositors

If they can't turn a decent profit without resorting to this kind of penny-pinching, they really shouldn't be looking after anyone's finances ...