answer:Why? Because they can. It’s that simple. If you don’t want to pay bank charges, talk with a bank rep about ways you can avoid them and explore credit unions (which also charge but often less). Better yet, avoid as much as possible doing transactions that involve these kind of charges. I bank a lot and haven’t paid more than $20 in fees in the past 10 years. No offense, but did you really need to use the word “fuck” to ask your question?