When will you get rid of high banking charge

 Neither do I get interest of ₹ 1 of the year from the bank nor do I get any special facilities from the bank, nor do I get any hard work done by a banking officer by doing self-banking. No

 Bank has given me a loan

And have not given any debit card, also given the charge of check book,

When I do not benefit much from the bank, you charge me so much hidden charge with hidden penalty.

Why do you fool the public and change your name from a savings account to a penalty account?

And ask the bank to charge the bill, then the bank would have caught the entire A2Z catalog and schedule charge.