I use wellsfargo. Meh, it's okay. I don't use their merchant account. I keep getting hit with little fees here and there (there are hoops you can jump through to avoid most of those, but who has time to optimize a bank account? jesus christ. It's only like $20 a month. I go and fix it maybe twice a year, and the checking is free for a while until something changes again.)
They have a pretty okay automatic bill pay thing; but mostly I'm still there because wellsfargo was nearby, it is still nearby; when I have a problem I can walk in and it gets solved fairly quickly, and twenty dollars here and there isn't worth the pain of dealing with moving banks to another bank that is probably just as bad.
Really, I don't mind paying a couple bucks a month for a banking service; most of my equity is in servers; I don't keep a whole lot in cash, and heck, interest rates right now are super low, so yeah, I'm okay paying a few bucks for the service. I'm kinda irritated by how they advertise the service as free, then make you put effort into going through hoops to keep it free. It seems deceptive.