[markem]

It is a buyers market. You can (and should, at least occasionally) look around to see how good a deal your bank it for you. If you find a better deal, go in and talk to an account manager. Explain why you would like to stay and how the better deal is tempting you away. When it comes to fees, some can be waived (new banking regulations may alter that).

A friend of mine has had interest free credit cards for years because she flatly states that if they don't waive all interest that she will move her account to another place.