Have banked with Navigant, Citizens, BoA, and TD Bank. TD Bank's policies exceed all of them, Navigant's in particular by a mile. Their overdraft policy is far more accommodating and generous than most credit unions, their online banking is lightning quick, and whenever I have an issue, I call the branch and they are quite accommodating. I'm actually shocked to be writing this because I never thought I'd see the day when a bank was kicking the credit union's @$$es but here we are.