we can't avoid the bank processing fees for online transfer and e-transactions,

let me tell you a small story from a news articles:

New-Delhi based Bhupinder Singh, 52, pays instalment for a loan on the 5th of every month. The money is automatically deducted from his account. But a few months ago, the transaction failed. The reason was insufficient funds in the account. This came as a shock to Singh as he had deposited the required amount in the account. When he went to the bank, he was told that the annual debit card fee was deducted from his account on the 4th of that month, leaving the account short by Rs 200. "I was not aware about the debit card charge. Now my credit score has been affected. I also had to pay for the failed transaction."

Banks charge you for a number of things. For example, you pay extra if your debit/credit card is swiped abroad. Similarly, there are charges for duplicate bank statement, PIN generation, demand draft and even account balance updates that you get via SMS on your phone.

Rahul Soota, executive director, mymoneymantra, a financial product distribution company, says, "Customers have a notion that they are giving business to the bank and so the bank should thank them for it. But the reality is different. Banks charge for services to recover costs."

find the full article below as a link-https://www.businesstoday.in/moneytoday/banking/banking-services-what-all-you-pay-for-loan-banking-transaction/story/210987.html

First thing the customer needs to know the schedule of charges. These are negotiated/intimated before the facility is extended. So be aware before getting into a financial dealing.

Afterwards, there are different offers available from different banks of free services. So one needs to go around asking and search for the best deal & migrate. Since the amount involved is small and customers are not fully aware & do not have the time & patience to compare, the situation continues where banks charge customers, and then only we come to know.

Another problem is that when we go through agents the full information is not disclosed & deliberately withheld.