I dont know if anyone would recall it, but some time ago a conference was held in South Africa regarding Banking charges - attended by United States and United Kingdom bankers -who had come to investigate the success of profits as levied by South African Banks.
I remember being very amused at the time!
Yesterday on American TV - an interview with an author - advised the public to verify every single charge on their banking and especially credit card accounts!
Some banks had taken to slipping in additional unsubstianted costs, some as high as $200 which turn out to be totally illegal, but most gullible people dont notice the charges let alone guery them.
Those that are gueried are reversed as an error.
I'm not saying it has anything to do with our banking costs in South Africa, but I am also not saying that!
This is not to be taken as financial advice!