Harry, the same thing happened to me. And I switched banks because of it too. You'd think that the banks would go way out of their way to inform a person when they start adding fees to an account that was supposed to be free.
The bank I had this problem with was Amegy Bank. If you don't mind my asking...... Which bank have you found after having a similar problem? I must find a good bank to move our other accounts to.
To tell you the truth...... I would just as soon sew my money into my mattress. But we still sleep on our 1970s waterbed. So that wouldn't work out so well.