I've had pretty much the exact same banking experience. Commerce Bank was incredible when it came to service, both in the branches and over the phone. The web

I've had pretty much the exact same banking experience. Commerce Bank was incredible when it came to service, both in the branches and over the phone. The web site wasn't so great, but not specifically bad either compared to most others. TD Bank (which acquired Commerce) was just OK. ING was absolutely remarkable. Less so after being acquired. And Simple is by far the best banking experience I've had. The interface is so well done, the customer service has been phenomenal. I actually find myself on my banking tab nearly every day (happily), adjusting goals and making sure I'm on target. I still use mint to manage all my accounts and consistently wish the interface was even half as good as Simple's. Mint is another example that stopped being incredible after being acquired - or at least stopped progressing in any useful manner.