YMMV I guess. I'm in France too and none of those points apply to my experience (except the monthly fee for the debit card and the snail mail for the new PIN).

YMMV I guess. I'm in France too and none of those points apply to my experience (except the monthly fee for the debit card and the snail mail for the new PIN). I have not set foot in my physical branch in 10 years, and have not written a paper check since 2011.