I just do not see any need to have Chase PC. Chase Sapphire gives me everything I need. The one special thing none of other competitors offer is the free wire transfer all around, in and out, domestic or overseas. You can easily save $40 for an outgoing transfer overseas. But if you never use it, then it is of little difference.

Other than that, the difference is very little. Schwabs does not have min balance requirement. Citi offers possible discount on some CC fees. BofA offers good Preferred Rewards program with CC bonus. But both Citi and Chase brokerage suck big.

For ordinary folks, Schwabs is very good. But if you need to have a local branch, then pretty much anything goes.