I think for general banking - it really pays to look at the options. Most of the banks offer a mix of fee-free (electronic only with in branch fees) and premium (all inclusive but incurs minimum balance / monthly fees). Most banks also offer student and gradudate packages which waives most of the other fees eg. Overdraft interest, in branch fees. 

I haven't researched it but I know Kiwibank and Westpac do offer retirement options which waives further account & transactions fees. Fairly sure other banks offer a similar service. 

My experience regarding Kiwibank and fees is very much in line with @Kiwisurfer. The first time I was with Kiwibank with my home loan, I estimate that I paid many hundreds of dollars in fees that would have been not charged/waived (fixing fees, restructure fees, interest fix rate offers) by other banks. I put it down to it being my first bank with a home loan but I've never encountered fees like that from any other bank that I've been with.