You can argue when the financial crisis and recession began in earnest, but the first bank failure of that era hit home almost exactly 10 years ago with the failure of Metropolitan Savings Bank during the first quarter of 2007.

More than 500 banks eventually went under, Occupy Wall Street activists pitched protest encampments in big cities, more than a million people lost their homes in the real estate slump, the government bailed out big financial players and Congress wound up tightening key regulations governing the industry. Since then, however, banks have bounced back, and consumers appear to have forgiven or forgotten.

That latter point was driven home by a J.D. Power survey released in early March. Even in the wake of a bank-industry black eye, the Wells Fargo account-opening scandal, 82% of retail customers say they trust their banks to do the right thing, compared to just 4% of respondents who expressed doubt as to whether their banks act ethically. Customer satisfaction with financial institutions has reached record highs, according to J.D. Power.

That said, the study noted that most consumers don't like to be surprised by fees or by having new accounts opened in their names - one in seven survey respondents said they have had accounts opened or funds transferred without their knowledge. Overly aggressive sales practices at some banks aren't received well by customers, according to the report, which analyzed 83,000 consumer responses.