Ah yes, I kind of grew up with the expectations bank people are supposed to always rip you of, so they cannot really be kind, only pretend nice to get money from you. So when I was a poor backpacker in australia wanting to cash in the small check from fruit picking work, I was suprised to find out, that there were normaly quite some fees involved to get the cash, but the bank person just smiled and said, it is ok in my case and I got all the cash with no fees.