Banks: Customer Service Mystery Round 2 Million.

Frustrated with my Bank.. Nothing new there, I'm pretty sure everyone is frustrated to some extent with their bank. But here's my quick snapshot.

Bank of Montreal (BMO), been with them for over 20 years. I'm simply a number in their database. I have several accounts, including business accounts. Over the years I've dealt with several bank people from there who have dealt with my accounts, the past 5+ years however I've had no one to talk to (mystery #1). Oh and since they are generally never open outside of weirdo bank hours, my current customer service level equals pretty much zero.

My most recent example of being a tad more annoyed than usual with BMO is the following case. Checking out my savings account and noticing that my interest was significantly lower than what I'm used to, didn't think too much of it, then figured why not contact their online support. Over a week goes by and I get a message stating the following:

I can confirm the interest rates have gone down in the last couple of months. To confirm, the interest rate on our Premium Rate Savings (PRS) account is currently 1.500% on balances up to $59,999.99 and 3.000% on balances of $60,000.00 and over.

Hmm.. Really? My response (which btw starts a whole new "case" because once a customer service rep replies to you the case is officially closed) was one of surprise (well not real surprise, more like expected disappointment) of why they wouldn't a) tell me and b) why in general?

I'm going to extinguish my grumbling to just this one case for now, but lets just say I'm pretty much near the end of the line here.

*sigh*

Soooo! I've looked around briefly and noticed that even the Royal Bank is offering 3% on ANY balance, and ING is offering 3.3% (no fees, no balance etc) as well. So my question here is where do you bank? Are you happy? Recommendations?

God I love banks.