Thankfully we only have little black bears around here. We catch them on our cameras every now and then. I've also seen them in our backyard in broad daylight.
My best bear story yet was when I walked into our shop building one afternoon and the door closed behind me. My other half had gone inside the house. I heard something make noise outside the door, so I was confused. I opened the door to find a black bear looking back at me, so I slammed it closed. Bear!
Second best story was I was mountain biking some single-track, fairly quickly. I came around a corner to find a black bear in the middle of the trail. I freaked and wiped out because I thought I was going to hit it. Bear and I were terrified of each other. Bear went down the trail the way I was going..I got back on my bike and went the other way. Thankfully no injuries, except I did land in a patch of nettles.
Third best... a friend from the midwest came to visit. We were sitting on the couch in the living room, and I was telling him we occasionally get bears, little ones. He said to me, "bear!" and I was like, ya, bears, we get them. He said no, ....bear! and pointed out the window. One went waltzing by the sliding glass door just then. Right on queue!