No JP Morgan Chase love? I've used Chase (formerly BankOne) for about ten years when I first left for college. I've never had a problem with them (knock on wood). My wife and I have separate checking and savings accounts, a joint savings account, a couple of credit cards, and a home mortgage through them. I think the key for us has been having a relationship with a personal banker. When my wife decided to transfer her accounts to Chase when we were shopping for a mortgage loan, we dealt with an extremely helpful personal banker who has been our contact over the past few years if we have questions regarding our accounts. They'd hate to tick us off, considering the amount accounts we have. We also earn interest on our checking accounts. As for the NSF fee, I'm assuming that those who have been plagued by it don't have overdraft protection where the bank is allowed to draw off your savings account to avoid bouncing a check. Instead of a $35 NSF fee, it's around $10 as a service fee and only charged once. And that's only happened once or twice with my wife, and both times she called our contact at the bank who waived the fee. As far as I know, it's a free service.