Excluding fraud (for example, not informing you of fees and charging them without permission), why would fees that are purely intended to increase bottom lines beyond break-even unethical? Banks should be trying to charge you as much as they can without losing their edge to competitors who might be willing to undercut them. More fees aren't always better... charge too many and customers will go elsewhere and/or reduce their activity level... but this is very distinct from being unethical.