Bank fees for advances that are offensive (7)

I believe the answer is:

charges

I'm a little stuck... Click here to teach me more about this clue!

'bank fees' is the definition.
'charges' can be an answer for 'fees' (I've seen this in another clue). I'm not certain of the 'bank' bit.

I cannot understand how the remainder of the clue works.

Can you help me to learn more?

(Other definitions for charges that I've seen before include "Formal accusations" , "Expenses" , "Accuses" , "Accusations of guilt" .)

I've seen this clue in The Globe and Mail.

Want a hint initially instead of a full solution? Install my app