Commerce Bank

Commerce Bank served me well for many, many years through college.
And then, something happened… and it’s all gone to hell in a handbasket.
It all began with something that didn’t even happen to me, but my parents. On a vacation to Mexico, they were using ATM’s to get money. Upon returning to the States, they received several overdraft notices for my little brother’s account. Turns out, Commerce had some wires crossed, so instead of drawing money from my parents’ accounts, it was being taken out of my little brother’s. Yes, my parents are on my brother’s account, but their account is supposed to be the primary one and the one that ATM withdrawals come from. Furthermore, Commerce gave them a hard time about having the charges reversed, even though it was their system’s fault!
I was content to leave my money there while I was at school in Ohio, but when I decided to move to Boston, I decided to close my account there. When I went into do so, I told them that I wanted to maintain my credit card through them, and just close the bank accounts. (I figure, in today’s economy, it’s good to establish good credit any way possible.) Imagine my surprise when I went to pay for something with my Commerce VISA and it was declined. At two different places! Turns out, they’d closed my credit card as well and not bothered to tell me.
On top of all that, their online banking system sucks. It’s counterintuitive to negotiate and, several times while I was using it, they’d change their rules about passwords and stuff and I’d basically have to re-​set it up again.
If you’re looking for a bank with good service and convenient locations, go for Bank of America. Amazing service, plenty of places to go (all over the country, too), and I actually trust them with my money.