For no reason other than to hear peoples views. I have banked with WBC, Bankwest, ANZ and now just refinanced to CBA. It's only early but CBA in terms of banking seem to be the best I have dealt with. Online banking is super simple and user friendly. Great customer service at branch level. I work in Melbourne CBD and there is greeting on arrival with direction, minimal waiting times. Brilliant ATM access utilising CBA and Bankwest who have ATM's in all 7'11s. Of all the others I have used I would have ANZ down the bottom. Online banking is fine but unnecessarily over complicated at times (You need to be a detective to find funds in redraw). Feels like they have the least amount of ATM's and not sure they even have an affiliate branch? I also found myself always waiting at branches and every question I asked would require escalation.