Timely topic for my situation.
This week, I closed my 2 Georgia Federal-First Union-Wachovia-Wells Fargo accounts that I opened back in 1985. I was a Crown account: keep $4000 combined in the accounts and I get a laundry list of services fee-free in exchange. Over the past 6 months, one fee after another has been reinstated. The final straw was the $7 download-transaction-into-quicken fee that started in September. The $4000 minimum still applied, though, in order to avoid a $20/month maintenance fee.
I opened 2 Georgia's Own account the next day and I spent 2 months getting all the direct deposit, etc moved over from Wells Fargo.
I walked into Wells Fargo last Tuesday and closed the accounts. I don't know how many 25-year old accounts walk out the door but the account manager at the bank commented "Wow, we must have done something to upset you." Yes you did.
My 21-year old son is now looking at buying a car. He may move his account to Georgia's Own just for the car loan rates.