When we moved back to California from South Dakota in 1998, I opened an account with BofA as the bank we were using in SoDak had no branches west of the Rocky Mountains at the time. I've never particularly liked anything about them, other than their tendency to be pretty much everywhere.

When we moved to Texas, we opened a local BofA account, because BofA California and BofA the rest of the world are on different computer systems, and while the ATM cards let you withdraw from any machine, you cannot deposit into a California account from a Texas ATM, etc.

But now I work for a really big financial institution, and as employees are given spiffy perqs like free accounts with instant overdraft approval and features one generally has to have constant, large balances for, for free, and as I've just spent far too long fighting with BofA's customer service (and I use that term in the loosest possible manner, as really, they wouldn't talk to me (even though they always have before) because Fuzzy's name is listed first on our checking account, and therefore the ID linked to the online account is his, nevermind that the man has to ASK ME what his ss# is, most of the time), I'm actually considering moving banks, even though we have so much stuff on autopay that it will be a total hassle.

So I'm seeking your input, because all of you are intelligent, net-savvy folks with a range of patience with customer service that pretty much brackets my own. Tell me about your bank? Not details, of course. And do note, I am doing other sorts of research as well, I'm just curious about what you love and hate from a customer standpoint.

And yeah. Comments are screened. Poll Follows under separate entry.