Yes they have custodial fees...I think there are fees too, if you decide to take the gold out physically....better buy the GOLD in bars & keep in the SAFE DEPOSIT BOX & when time of need....sell it to get instant cash ...
I used to buy a 5gm .999 fine Credit Suisse bar, many years ago, when I first started working, every pay day....then kept them in the FD box....sold this off years ago & when I bough the god bars, they were cheap.....
I still buy them occasionally....when prices are down....as a saving & for emergency use.....they liquid fastest....