A: I'd like to make a deposit.

B: Will you be putting this deposit towards the fees you owe?

A: What fees do I owe?

B: You owe an overdraft fee of $35, a minimum balance fee of $8, and an ATM fee of $2.00.

A: So much for free checking.

B: Nothing in this life is free.

A: Take what I owe from the amount I just deposited.

B: Will that be all?

A: I want to close my bank account.

B: I'm so sorry to hear that. Can I ask why?

A: It's because of all the extra fees.

B: Most banks charge fees.