I have been using Chase since they took over Bank of New York years ago. I have 3 accounts there. They suck ass. But they are no worse than Citibank, BOA, Capital One etc.... They all rape you on fees no mattter how much money is in your account.
You DONT want a debit card linked to your checking account? Thats $6 a month. If you do its a $25 annual fee plus ATM fees etc....
And they just cancelled their rewards program. I have over 50,000 points with them. cocksuckers.