Google adsense bank charges are not encouraging

It is hard enough trying to make money online in Nigeria with Google adsense such that it is no easy task getting to make the minimum $100 payment threshold for your efforts. The discouraging thing with Google adsense business in Nigeria is the issue of hidden bank charges when your Adsense cheque clears. There are a lot of expenses a Nigerian webmaster makes just to get paid by Google adsense in Nigera and I would want to list the ones I've faced here:

1. $150 Initial minimum deposit for opening a savings domiciliary account
2. $22 Courier charges by Google for sending the cheque through DHL in order to overcome mail fraud
3. $60 as hidden bank charges for sending a courier to the issuing bank
4. $20 when the cheque clears
5. $20 for finally withdrawing dollars from your domiciliary account

So apart from the initial deposit for opening a domiciliary account, the total charges I pay for finally getting my cash from Google adsense is $122($60+$22+$20+20). So you could imagine, if you are not making at least twice as that in a month, you wouldn't bother to get your cheque from Google every month in the first place. Although I make more than that in a month, the charges are still too high and I'm thinking of going to more customer friendly bans very soon because my bank seems to have too many customers and a small bank may do me better.
In order to reduce my costs, I have chosen to allow my payments to be on hold for 3 months, so I prefer getting my payments quarterly rather than monthly since the costs are fixed.