Almost an Oxymoron. I have just closed down 9 business and personal accounts with the ANZ and have transfered to Westpac. I found the ANZ absolutly useless and the Westpac brilliant with special bonus points to the staff, 100/100. I still have ANZ linked trading and holding accounts to my trading and Etrade account which i will be closing this comming week. I have had a long history with the CBA & NAB as well, neither was the complete package, so i guess it just depends on what you are looking for and whether you get a manager who you click with. So for me its Westpac. Good Luck BM