(can be avoided with some accounts if a certain amount of money is paid in to the account each month, but some other banks don't make this charge, so Millennium should take note as people vote with their feet)
My current account with Millennium is completely free of charge, even withdrawls abroad are free of charge, as long as at least 1000 PLN are paid into it every month.
My actual bank (the one i get my salary paid in to every month) charged me an outragous 30 zloty when i withdrew 200 francs in Switzerland in spring this year. Plus 7.50 zloty for "something" i can not quite understand for using the card at some outlets.
All in all, I will change the bank account with the company i work for to my Millennium account as i am quite happy with it.