The people there are nice, almost apollogilically( is this a word?) nice, since they know they will try to **** with you if you let your guard down.
As for a typical fee trap, on 1/6/10 Chase reduced the maximum number of monthly transfer withdrawals for Chase SavingsSM
from the standard federal regulation of 6 to 4. No account notice disclosures were sent to alert unsuspecting customers and after the fifth monthly transfer an excess withdrawal fee of $3 was assessed. With a generous .01% interest rate the penalty could be recovered in 100 years, assuming a $300 minimum balance was maintained to avoid the $4 monthly service fee (133 years, 4 months of interest).
To their credit, after an hour of protesting rejections up the phone center phylogeny, a reasonable middle management CSR agreed to a one-time refund on the strength of a flawless 14 year account history, 13 of which were with WAMU.
Thank you, Chase.