Trying to close my FNB (First National Bank) account here in South Africa I got a visceral reminder of what kind of service banks are providing the average customer. First, just to close the account requires a fee of about R50. I had left about R20 in there, but as it turns out FNB had charged me a bunch of fees that put me in the hole, and then a R88 "service fee" which I assumed was from being forcibly overdrafted. I suspect there's some kind of automatic procedure that trips a bunch of fines if you ever let your account balance get to low so they can then charge you for overdrafting. Anyway, I had to pay to get my balance up to the correct amount, and pay an additional deposit fee to allow me to put money into my own account.
The best part, though, was after waiting about twenty minutes for the deposit to go through, they had one more fine of R9.50 waiting for me on another screen, so I had to pay the deposit fee again to finish the process. I considered throwing a howling fit, but it seemed unlikely to pay off. In any case, be warned.