Go ahead and check under "payments." All your orders should be right there: everything you've already paid, plus anything pending... Is it possible you just entered the wrong year? Like, typing 2013 instead of 2014? Though I doubt the system would even let you get away with that. Maybe there just wasn't enough money in the account?
I think you should be more worried about interest rates spiking, the dollar losing ground against the euro, and wages dropping in 2012. If 2012 actually turns out to be worse than 2011, then we might finally see prices start to head south.
As far as those monthly "package" fees go, there’s zero chance I’m handing them an extra $10 every single month. That adds up to $200 over the course of a year. A standard annual fee for a Visa Classic is usually around $53. Mastercard is roughly in that same ballpark, while Diners Club or American Express will run you a bit more. You might want to look into this: Wells Fargo offers a Diners Club card with the first year waived if you open a checking account with them. Do you actually need online banking, a foreign currency account, or a specific checking account? All those little extras are just ways for the bank to nickel and dime you with extra fees.
I’m assuming you’re looking for a checking account rather than a savings account. Are we talking about a contract with a fixed term or permanent employment? If it's just a temporary gig, you probably won't even qualify for a loan. In that case, your priority should be minimizing fees. You can always jump ship to a different bank later on. Whatever they offer you at the branch, don't let your overdraft limit exceed one month's salary. Interest rates on those overdrafts hit 14%. Maybe try to snag a charge card—something like a Diners Club or an American Express—as long as there aren't any upfront fees or annual dues for the first year. Avoid revolving credit if you can help it. If you're already planning on going into the red, you might as well stop paying interest altogether.