Have you had the suspicion lately that your longtime bank no longer suits your needs? Or have you recently opened an account at a new bank, only to feel like it's not a good fit? There are countless reasons you may experience friction with your bank, such as a merger with another institution. The impending union between Capital One Bank and ING Direct, which takes effect Feb. 1, is one example of a merger that has made some account-holders a little nervous about what's to come -- particularly those currently with ING Direct, who have long enjoyed a unique banking experience. But mergers aside, there are plenty of things that can signal that you and your bank aren't meant to be. Here are four signs it may be time to move on.