Retail financial institutions have enjoyed a surge in their customer satisfaction ratings over the past few months. Cut-throat home loan pricing, generous deposit rates and lower transaction fees are hitting the mark.Over the six months to August, Bankwest's retail customer satisfaction score has gone up 6.9 percentage points; ME Bank's has gone up 5.4 points; Macquarie Bank's by 5.2 points, and National Australia Bank's by 3.4 points.Roy Morgan's industry communications director, Norman Morris, said the overall bank rating of 77.9 per cent is the highest score in 15 years.Morris said home loan customers have given their banks the biggest boost in ratings. Banks are also getting significantly higher scores on the issue of "fair fees and charges".Members Equity has moved ahead of Bendigo and Adelaide and of ING Direct to be the most popular bank overall, with a rating of 92 per cent.Among the big banks, ANZ leads with a rating of 77 per cent, followed by Westpac with a rating of 76.4 per cent, NAB (75.6 per cent) and Commonwealth (75.3 per cent).