this is the icing on the cake.
as much as I try to transact in BTC only, i still need a fiat bank to pay my mortgage and keep some amount to pay bills there.

I am done with this shitty bank and their fees and their theivery.
As soon as i finish my last ordeal with them im switching to an online only bank like Tangerine. 

 Their fees were always higher and so was their insurance.