Yup. I very nearly changed banks over this particular quirk of "Anything below the maximum rating is a failure that must be addressed." I'm one of those peopl

Yup. I very nearly changed banks over this particular quirk of "Anything below the maximum rating is a failure that must be addressed." I'm one of those people who likes going into the bank lobby often enough to get cash (though the ATMs have started handing out $100s now so I do that somewhat less), and for a while, I was getting a survey phone call about every single visit. The people at the other end would ask how various aspects of the transaction were, and would not accept anything less than 10 without long explanations of how the bank teller didn't make my day the most amazing ever. They would not accept "I'm entirely happy with the transaction, it was utterly non-exceptional, the money was counted properly, and this is what I expect" as a reason for not deploying fireworks of celebration in my rating of bank encounters. I mentioned this to the branch manager at one point when I was getting a wire transfer set up (at the time, at least, wire transfers to other countries had to go through a few hoops to make sure you weren't getting scammed), and that I was very seriously considering switching banks over this annoyance, and he very rapidly put me on a "Do not pester, no, seriously, don't..." list that solved the problem. I just generally don't rate stuff anymore, because I don't consider "5 stars" a "meets expectations" grade rating.