Yeah, put iut in context eh. Think of the value you get from your bank, the security, convenience etc, and then think about how much you pay a year in fees. Probably not that much - compared to something like insurance, where you pay heaps for financial security. I don't pay many fees at the moment (student), but I'm quite happy to pay more if I'm using the banks services.
The phone things is vageuly annoying though, but I'll bet it was costing them heaps from people on cells. Maybe when cellphone call prices come down more (we're still very expensive by international standards) they'll allow it again.....