Hi, we are wondering if there is any bank that does not charge a quarterly fee. We have our 2 direct debits set up at Garanti, but as they are not "regular" we are charged by the bank for the account. Our bank charges are often more than our water bill! We have a separate account at FinanceBank for emergencies and wonder if it might be better to use them for a DD account as well. We are coming over soon and would like to go straight to the "best" bank to sort this and save a bit of time. We also find that Garanti is always a problem to access on-line, where we have never had a problem with Finance. Any ideas. Thank you.