Does the bank deserve 60 dirhams annually for ATM card service, despite the account not being used and not yet closed?

A current account functions as a loan from the customer to the bank. The issuer of an ATM card is permitted to charge fees for its services and for managing its affairs, provided that these fees are legally permissible to collect and the customer is informed of them before the deduction occurs. If the contract stipulates, or the bank verbally informs you, that the account cannot be closed before a certain period and that a fee will be imposed during this time, then you have entered into the contract with full awareness, and you are obligated to pay it. However, if this was not mentioned in writing or verbally, the bank does not have the right to compel you to pay it, and it does not constitute a debt upon you according to Islamic law, though you may face legal repercussions because of it. This harm should be averted by striving to close the account, even if it means paying the required amount.