I haven't checked recently, but at one time I was going to switch from what was then CCB to Bank of OR until I discovered, as you did, that it wasn't worth it. At least CCB was convenient..... Now, though, you're right, it seems there's a fee for everything. Maybe I don't have enough money to qualify for "free" services!
____________________ A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort. Herm Albright