Chase's regular checking account doesn't charge fees if you have direct deposit or make 5 debit card purchases/month. You can also link up to your credit card for overdraft protection (without fees!), though, as far as I know, Citibank does this too.
Chase already had (BY FAR) the most ATMs in the city and now that they have WaMu, that number increased even more. They have really sweet rewards programs and their customer service is great. I have a lot of friends who used Citibank (which was the 'official' bank of HB-UG, and they had a ton of trouble with random fees and really unfriendly service, though that might have just been at the branch near HB-UG.