And shouldn't any 'perks' be incorporated into the account agreement? We may occasionally, for instance, waive a fee on a stop payment, but this is an ad-hoc decision made by an officer and not something that is part and parcel of a particular account type.
The accounts in question are those advertised with benefits (high balance accounts, club accounts, senior accounts that get free cashiers checks, waived fees, etc.) The bank needs to make sure those entitled to these waived fees do not pay the fee.