I'm happy that I opened my Chase account. Might there be a small fee tacked on sometime in the future? Sure, just as airlines have tacked on fees for baggage, reserved seating, meals, etc. That doesn't mean I'm not going to fly anymore. Go ahead, jump around to other banks---they eventually will have to stop subsidizing deadweight, cheapskate account holders and knick them for service. Why, there are even Nigerian bankers who will probably pay you to move your money over to them.