Citibank - Midland, TX Review

I have been with Citibank for 3years, in that 3years not one time have they approved me for a loan when every other bank in town would. I also had someone still my debit card number and drain my account and Citibank didnt work very hard on getting the charges taken off....I ended up calling all the company's that charged my card and explained to them that my card was stolen and I did not make the charges. Citibank didnt care that all my money was gone and I had two kids to feed, they told me that it takes up to 60days to get the charges taken off if they do take them off, their commerical that says they will help you get back to normal was a joke because they don't care. Citibank told me that if I had direct deposite that my checking would be free, 6months later they were still charging me for my checking account. I called Citi to tell them they were still charging me for my account and they said sorry we won't next month....what about the past 6months...do I get my money back for that?....they replied no they can't refund me any money for that time. You know if they have to cover a check they are real quick in charging you a overdraft fee but when they make a mistake they can just say sorry. I am switching banks this month...I'm trying to find the best one if anyone knows a good one, let me know ;) Anything has to be better than Citibank.