Even for private banking, you should establish a good working relationship with an actual human at your main bank, but use other banks where it makes sense, and

Even for private banking, you should establish a good working relationship with an actual human at your main bank, but use other banks where it makes sense, and make sure your main bank knows about it. Suddenly they will offer better rates, and be more accommodating. If they don't, that bank is too big for you, look for another one.