The banks in this country are a joke. They do indeed charge you for almost everything unless you jump through a series of hoops. If you draw money out of the hole-in-the-wall (ATM for you Americans) that doesn't belong to your bank, then you are charged anywhere from 1€ to 5€. Unicaja is one of the worst and they charge you for transfers even when you do them yourself via Internet!
The letter is legit as I sent it to Wifibandit. He's got the attached commissions sheet too.