I hate those nickel and dime charges. Makes me wonder whose brain the management was using when they decided that it was a good idea. I'm sure all those pennies add up at some point to the bottom line, but I also wonder how many soupcxan's there are that just get fed up at the death of a thousand small cuts and take their money elsewhere.
My last residence, I was considered to be in an "NRTC" television area, which is basically 'rural america'. So some companies could stake out a claim for satellite or cable and while the original company (in my case directv) still provided the product, they'd claim some value add and charge you extra. They hit me for five bucks a month for nothing. I finally called and told them I was going back to cable as it was ten bucks a month cheaper, including their five dollar profit fee. They offered to waive it. Too late...
I can see an outfit charging low balance or acct maintenance fees to offset the costs of handling very small accounts. But it makes me wonder if long term a customer wouldnt appreciate being treated like a "little guy" that warrants paying for the trouble of being a customer.
I'd hate the five buck fee, and the fifty dollar one, but i'd probably just bite the bullet and move it to vanguard. It'd be worth it to me to lose the frivolous fee and to have everything in one place.
As far as vanguard being expensive and more trouble to buy individual stocks or the oddball fund, I consider that a plus. It makes me think twice before venturing into stuff that'll probably make me lose money.