Have you had bad experiences with Citibank?  I'm not too familiar with US banks.  When I visit Phoenix, I always use the ATM at a bank called 
Compass Bank?  Does that sound right?  There are so many of them it seems that just about anyone worth a billion or more can actually open their own bank!
Up here you have a handful of major players and that is it.  I have been with RBC (Royal Bank) and BOM (Bank of Montreal) for the bulk of my adult life.  RBC pretty much owns my ass.  
