Hi Baby
The way to assess any product is to look at its different features including price.
For a mortgage, they key issue is price. Other issues might include getting the highest amount possible.
For your bank account, the key factors are the ease of use online and via the app. Then the availability of an overdraft facility. The location of a physical branch would be important for some people. The quality of the customer service generally would also be important.
If you can get all these and free banking, fair enough. But otherwise, I would not include the fees as a factor. I don't mind paying €100 a year for the service I get. I would resent paying 4.5% on my mortgage.
Brendan