That was an awkward experience, I tried to open a bank in person and was blocked because of Chex. It is my fault though, but for example I opened a Citi checking account and never used it but somehow it had some minimum balance or something, started charging me... I had to pay like $38 or something to close it.

I had the overdraft fees problem with BofA too and recently some suit was settled/I got a $20 check.

JDBs suck but I did turn my stuff around eventually eg. 300s to 750s.