Banks love to talk about innovation, but their fees look like they were carved in stone decades ago. Mobile apps and online banking mean most account management is automated, yet monthly charges remain stubbornly in place. The irony is hard to miss: customers do more of the work, while banks still cash in. These fees aren’t tied to service costs anymore—they’re habits that refuse to die. The result is a financial world that feels stuck in the past even as it pushes forward with sleek digital tools.
