I Think Something Isn't Right at Our Bank

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I'm not going to mention the name in text, but I may have a photo. It is a large national bank and I believe the government bailed it out a few years ago. It's the bank where we had so much trouble with my husband's estate account getting transferred to an account I could sign on. Two different employees told us two different things. We finally had to open a new account with the warning to close one of the other three (the estate account and my two accounts) within sixty days to avoid incurring expensive monthly service fees. They said we wouldn't have any fees if we just had the three accounts linked. So we left thinking we'd close the old estate account as soon as everything cleared in about 20 more days. As we were leaving we got a folder with some checks for the new account and several printed pages of disclosures and terms. After I got home and looked at those terms, it appeared the bank manager was wrong. He had opened an account that required a much hirer daily balance between the three accounts than we had ever had. So I went in yesterday to try to find out why he told us there would not be any fees. I had to make an appointment for today. The employee we talked to today said we were OK, sort of. The old accounts were grandfathered in, but not the new one we opened to replace the estate account. She agreed that according to the written terms we were handed, they could charge the fees. But she said there wouldn't be any fees. She would not put that in writing, but said to wait for the statements to come and if we got any fees she would waive them or pay them. It seems there are a few unwritten policies and can't be put into writing since the management of the bank changed a few months back. I feel uneasy with this. When they hand you a paper with written terms and then tell you to ignore it because it doesn't apply to you, something seems fishy. What do you think? Unfortunately, this is one of only two banks we can use to collect our rents from all three counties where we have properties. Our tenants make their deposits for rent into our account from their local branches. The other bank no longer has any branches in our area and seems to be gradually closing all its branches. So we are pretty well stuck with this bank. I have one account that will meet the requirements for no service charges, and we just may close all the other accounts we were using to separate the rental properties and our home here and my business. I can move the online business account to the bank where the old book business account is. How would you feel about banking where the written rules seem different from the unwritten rules? It seems maybe the employees are privy to information that they don't want customers to know.