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I just switched from citibank to chase. got sick of their crap when i went to pay in checks.
It's not actually that bad so long as you have credit cards and your payments are up to date. Deposit more than 10k and there's a hold on the funds, so have [some] cash.
But - 1. both banks are 5 minutes away. 2. most of my bills go to amex, and the rest i pay by check. 3. i had already [just] paid my mortgage and my ccs when i closed the citi account. 4. work makes it really easy to change where my salary is sent.
YMMV and all that, but I had no issues. Bonus was that chase gave me $300 for opening the account.
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