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Unfortunately there is no such thing as a completely fee-free Roth IRA. Providers have expenses and must charge their clients some sort of fee for running the investments inside their retirement accounts. If Roth IRA providers truly charged no fees they would all go out of business. The no-fee Roth IRA is a marketing tool used to get your attention. Individuals interested in a Roth IRA should focus on providers that have the lowest fees for those investment that match their investment goals.
The Internal Revenue Service doesn't charge withdrawal penalties after you are 59 1/2 years old. For Roth accounts, the IRA must be five years old as well. Otherwise, early distributions usually carry a 10 percent penalty on top of applicable income taxes. However, exceptions to this IRS rule may allow you to withdraw from your IRA without penalties.