See I think the banks get a raw pr deal...I remember having to go to the electricity board for the electric bill, the gas board for the gas bill, cheque to the council for the rates, now I don't have to lift a finger, my wages go. Into the bank, the bank looks after them and keeps them safe, pays all my bills for me and it doesn't cost me anything. In fact, they pay me for all this because I get interest on the money that I don't have to keep under the mattress or in the tea caddy.
Day to day stuff is much easier than it ever was, sure hang the fat cats in paternoster square pour encourager les autres but retail banking is on the whole very good these days.