I refer to the letter Banks have right to charge service fees .

I agree banks has the right to impose a fee for any service, but that must be made known and agreed upon before the customer uses the services.

In the case of Maybank's Internet banking , it was provided free and a lot of customers migrated over based on its useful features and free nature. If they want to impose a charge, they should only do so for new customers, who then have a choice whether to use it or not.

Enticing customers with a free service and then imposing a charge later is tantamount to entrapment. Many configure their financial arrangements, including bills payment etc, around the Internet banking and it is not so simple to change everything just like that.

Actually, electronic banking saves banks a lot of money in reducing the very high cost of maintaining a physical branch and staff. In fact, in many other countries, customers are encouraged to use e-banking (ATM, the Internet), and are discouraged from coming to the branches.

These banks giving free e-banking services and instead impose a charge for counter services. That is, except in Malaysia where banks brightly say if a customer is unhappy with the Internet banking charges, they can come personally to the branch and further congest the banking hall!