Is it permissible to open a bank account in exchange for an annual fee, and does the ruling differ between Islamic and usurious banks, especially if the Islamic bank deals with usurious loans?

Opening a bank account with annual fees is permissible as long as there is no Islamic bank. If an Islamic bank exists, then it is obligatory to avoid opening an account in a usurious bank, except out of necessity. If it is proven that the bank called "Islamic" gives usurious loans, then it is forbidden, and its designation is irrelevant. It is obligatory to seek out the banks that most closely adhere to Islamic legal rulings.