Only the Uber wealthy credit cards really have annual fees. For everything else they just expect a minium balance of like 20 bucks. My bank only wants 12.50 in a savings acct and there's no fee for checking or saving.

If your checking acct or credit card has an annual fee and it's not an absurdly high end amex or some shit then it's likely a predatory acct and not a real bank or credit union.