Challenging unfair fees

Somewhere along the line, an amazing thing happened. The banks convinced you and me that it was OK to charge us fees for giving them our money. Surely it's the other way around? We deposit our money with the bank for our peace of mind. The bank pays us interest in return for the use of our funds. Today, the interest payable on an average transaction account has long since withered into insignificance, but the income derived by Australian banks from fees and charges has ballooned enormously.