I combined my high interest mortage and one of my credit cards into a single low interest loan acount a month ago. My former mortage company was horrible and their customer service was non-existant. So far so good. It was painless and the bank agent that closed the mortage loan was extremely helpful and courteous. It was closed on in 2 days. They substantially lowered my total interest rate and payments which saved me quite a bit of money. I also opened a no fee checking account that got accidently overdrawn the first month(!), but, thanks to their on-line banking, I caught the error early enough to make a depost and wasn't charged any overdraft fee.
I discovered an error in my name on my checking account check card when I recieved it and I visited the local branch to correct it. One of the branch managers took care if it immediately by phone to their customer service and he politely took full responsibility for the error. I recieved a corrected card in the mail in 3 days.
I have had no problem with their on-line banking and their branch agents, bank tellers and managers are all knowlegeable, friendly and courteous, at least at my local branch.