Hi Natasha,
If you don't mind me asking, who do you bank with?
I use Caja Madrid and while they aren't the most competitive out there I find their charges manageable. I have been with them for over 6 years personally and nearly 5 years professionally. I deal with the branch right up the street from my office and have a good personal relationship with the cashiers as well as the bank director.
In fact, they recently offered me a nice line of credit to use for my business if I needed it.
Hope that helps!