Bank of America is like a big used car lot...they don't remember who you are no matter how many times you've been there and only want to squeeze as much from you as possible. Then they more on to the next "customer". NO CUSTOMER SERVICE SKILLS!! B of A can KMA.
I found Wachovia in Carillon Beach to be a refreshing change, a large bank with personal service. It means a lot to me to believe they are interested in me ("how was your weekend? did you do anything fun?") and not each other. Ever go to the grocery store and have the cashiers and baggers talking about their personal lives with each other as if no one else is there? You pay your bill and leave without any of them speaking to you or offering help.
Customer service means everything if you want referrals.