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whether the charges for SMS alert fee being deducted by Punjab National Bank are ethical?

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whether the charges for SMS alert fee being deducted by Punjab National Bank are ethical?             This blog had earlier published following articles on SMS alert fee being charged by banks specially State Bank of India (SBI) to draw the attention of the Bank, Regulator namely Reserve Bank of India  (RBI) and Ministry of Finance. The links to the articles are given below for an easy access.  1. Do the charges for SMS services being charged by State Bank of India  are ethical ?      http://skvirmani-jagograhak.blogspot.com/2014/04/do-charges-for-sms-services-being.html 2. Unethical business revenue by banks on account of charging SMS Alert Services      http://skvirmani-jagograhak.blogspot.com/2014/08/unethical-business-revenue-by-banks-on.html 3. Need for intervention of Reserve Bank of India to put a stop on the unfair business practices of the Commercial Banks on a/c of SMS Aler...