"I assume by "earnings" you mean those earnings that accrued due to investment activity conducted within the Roth account. Correct?"
Correct.
There are many brokerages that are IRA providers with no account maintenance fees and that have no-fee investment options where the only cost is the expense ratio of the particular investment. Bankrate.com yesterday published a list of popular IRA providers:
https://www.bankrate.com/retirement/best-ira-accounts/
Banks also offer IRAs, but bank personnel tend to be inadequately trained, particularly with regard to the nuances of certain IRA transactions.
