I am not 'pro' banks, but you have to look at it realistically.
First of all banks are a business. They want to make money, and the way to do that is to charge fees. Of course they make money w/ your money by investing, but the only sure fire way to have an income is to charge its consumers fees for everything. Most fees are easy to avoid, such as low balance fees, and bounced check fees. If you properly manage your account, and keep up with the maintenance, you should be incurring minimal fees each month.
I suspect a $22.00 fee is most likely for something to do w/ your checking account, such as a negative balance or something along those lines. The bank I worked for charged a $25.00 fee if you dropped below $5.00. That is a normal occurance for most financial institutions.
The federal gov't has very strict rules for banks, and its very rare that you will see a bank straying. As much as we as consumers think we are being shafted, most of the time that is not the case. Banks receive large fines if they do things like charge you for something that they have previously not told you about. and if you do find that they are not following the rules, contact the government and get it straightened out.
I found that working for a bank, that 99.99% of errors were made on the consumers part. They would not read the fine print, they would miscalculate, etc. I had so many customers come to my desk to complain, only to leave knowing that the error was on their part.
I am not defending the banks, just trying to show the other side of the story here.