Having lived in the area now for 14 years or so and having had experience of several banks, either through payroll needs or mortgages or such, I'd have to say TD Bank is the best of the bunch.
I've tried Wilmington Trust - OK, B of A - really terrible, Wachovia - Horrible, Citizens - Pretty Bad, First Federal - OK, but TD has been really great.
First, most of the complaints I read here are about debit charges for being overdrawn, that's the same at every bank. My son went over $800 overdrawn while banking at Citizens while at college - for buying a Starbucks on his debit card. They then started charging him $37 day for the O/D, even when it was paid off, they came up with retrospective charges that put him overdrawn again and started the whole process over. You can fix your debit card so it can't go O/D now (thanks to the government) and at least TD only charge $15...
My branch is very cheery and friendly. The dog loves to visit and there are always little gifts for the kids as well as the free money counter for customers.
No bank reminds me of the old, personal face-to-face service you used to get and decisions are now made in a central office many miles away, but at least the staff are friendly, the bank is open and bring and everyone seems very helpful.
The level of service at this bank exceeds my expectations. David, in particular is courteous, friendly, professional and always goes the extra step in assuring that my banking needs are addressed.
This is the worst bank to deal with and the italian girl manager is the worst person to deal with i think she is on a power trip they charge all kinds of fees for nothing they freeze cheques but take there fees from the frozen funds anyway the employees don't even know that the funds get frozen for 7 days or 5 days this bank has to wake up and treat customers the proper way and get rid of that women manager she does not know anything to much you know what so change bank and go somewhere where they know what they are talking about