When I was in my early twenties, I opened a savings account and the banker didn't tell me that the amount that I was depositing was bellow the minimum balance. I was instantly dinged. At that age, I wasn't confident enough to call bullshit. I ate the penalty.

Today, I would demand a refund and I'd politely make it clear that I was taking my business elsewhere because the bank obviously didn't have proper ethics training. I'd do it in such a way as to diplomatically put that person's job at risk. If they didn't get fired for ripping me off, they'd for sure be on notice with their boss.

Banks are so corrupt that they get away with all kinds of evil. But not at the lowly level of a peon in a branch. That I might tell friends and family about the experience might not protect the "little person" on the front lines. Execs can get away with fucking murder.