For years, I've noticed that some large banks advertise their "Private Banking" divisions. (When I hear "private banking," I imagine arriving in a limo and escorted to a banker's desk.) I would appreciate hearing from those of you who have "private banking" and just what benefits this offers. (After years of satisfactory banking with Wachovia, I signed off with Wells Fargo's marketing assaults each time I entered a branch and have been happy with my move to credit unions.) So I'm wondering, is "private banking" just a Madison Avenue term or does it really offer special benefits and what do these benefits cost?) The only thing I miss about Wachovia or WF is a free safe deposit box. My credit unions offer free banking with no "gotch's" but charge everybody the same $20 for a basic safety deposit box; it's very democratic - everybody pays the same rental fee.) My main credit union pays 0.25% on checking accounts and 1.75% on money mkt funds. For that, I'll take public banking.