When in the bank, if you read the "fine print" on the sign, you will get a lot of useful bank-related information. I believe items #4 and #5 answer your question about the fees and how they are calculated. GnoMeS oF GenESiS - TeRMs AnD COndITiOns 1. To oPeN aN aCCouNT you SiMPly DePoSiT Mo...