Millions of Americans are finding themselves and their finances in the middle of huge megamergers.

Megabanks claim mergers mean convenience and profits that will allow them to be "one-stop" financial stores. But according to a survey by Synergistics Research Corp., Atlanta, most consumers aren't sold on the idea of the single institution, one-stop shopping experience. In fact, more than half of consumers experienced a problem after their banks merged.

Here's the list:

25% indicate higher fees or charges

24% report change in bank personnel

23% note change in account features

18% say service declined

14% experience branch closing

13% cite mistakes made on accounts

10% say the bank changed or eliminated an account

  8% say electronic services were more difficult to use

©1998 Credit Union National Association, Inc.