Credit unions are definitely best for personal service and supporting local area. I had BofA for years for business stuff, and I used to travel a lot so atm's everywhere came in handy. But the business is going to **** and I barely have any money now anyway. Will change to credit union eventually.
The other worst companies for answering the phone - health insurance, tv company and IRS!!! I recently had to do a QuickBooks upgrade - and they were amazing on the phone!
Oh yea and the DMV sucks!!! And the pharmacy!!!