Re: Banks in the West
I use both Wachovia and Washington Mutual, both are top notch in my book. Washington Mutual is little bit up to the mark with online bill pay, transferring money from one account to another (within wamu and externally) and some more features which wachovia lacks but good nonetheless.
As Shikra said, WaMu's credit card allows you to track your FICO credit score, which always helps to see where you stand as far as credit worthiness is concerned.
Shikra, whats your credit score? :D