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Call up the bank, ask them what are these fees, and have them highlight them for you in the docs YOU have.
Or even better, call up, pretend like you would like to open up a credit card, and ask if they have zero fees or charges to own it. If they say no fees/charges, ask for the name of the person you are speaking too, and then go down there to talk to the branch manager, and have him or her highlight the part about the fees and ask why you were lied too over the phone, if that is the case.
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2/20/2013: They Day the ****s Stopped
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