In my limited experience, I find that my bank – not Chase – very aggressive in charging fees. You must look at every monthly statement, challenge them on every inappropriate fee, and keep careful track of what they do when their telephone reps say the fee will be reversed. It is tedious and time-consuming, but the banks are too politically connected for our nudnik legislature to do anything they do not want.
As for Chase, I had a colossal problem with them on a real estate loan several years ago, and I determined never to do business with them again.