Most Thai banks do charge a 200 baht annual fee, at least BBL and SCB do on my accounts. I think this is an ATM card fee, or maybe some account maintenance fee. I think I get ~ 5 off-net ATM usages per month gratis.

Inter-bank transfers can incur fees on the order of 35 baht per.

Out of region, on-net ATM fees are ~ 15 baht per, not sure of the exact fees for out of region, off-net ATM fees but suspect those might be 35 baht per.

You do have to pay a % fee for in-bound wire transfers, up to a max. of 500 baht per.

Net net, local banking fess are a bit higher than most might imagine.

To cash a travelers check there is a total fee of 33 baht per check.

Some combination of cash, traveler's checks, AEON ATMs or even paying the ~1% (150 baht on say 15,000 baht) ATM fee might address most tourist's requirements?