I haven't paid bank fees in about 50 years...literally. After getting direct deposit when I was about 25, I no longer had to pay checking account fees. Also when I was in my 20's, I had already started building a good (now excellent) credit rating. When applying for cards with fees, I'd call and ask them to waive the fees and they did. Then more cards started being fee free and I have those now. I don't pay interest since I pay all my credit card bills in full each month. I'm sure I've saved several thousands over the years. In fact, we purchased our timeshare, interest free and that alone saved over $4,000. After two reps couldn't sell me, the manager came over, dropped the price to 1/3 of asking then I hit him with I'm Muslim and we don't pay interest (Riba)...which is true. He said if we paid it off in a year, it would be interest free and that's what we did.
Forward thinking: I very rarely use ATM machines but In case I'm ever out of town and need to use an ATM not connected with my bank, I opened a checking account to get a debit card from my brokerage because they refund all ATM fees, even foreign.