My bank is so lenient its crazy. I don't get charged for overdraft fees if I let them know ahead of time that I might be getting one. Every person in the bank knows me by first and last name. Gotta love small town USA. I got my loan for my 00 from them, I had no credit, and no co-signer. They based my credit off the last 6 months of my electric bill.
I have Charter One as well. They know me there by first & last name, and they have waived several overdraft fees. I'm also within walking distance from them. I don't know why I still have a Chase account. Must be all the happy ads about retired people watching kids play or something.