Most folks think of fees and penalties as motivators to get folks to follow the rules, when they are really valued income streams for the service industry.
That is really all your father asks for financially, leave him the big piece of chicken, you can have the rest, just don’t take food out of his mouth.
Is your toilet flushing hot water ? You might want to check, connections get confused, and it can end up costing you a great deal like bank fees do.
If you are in more reasons to change banks, here are a bunch more.