That's pretty interesting, because the US is often stereotyped for being aggressively cost-cutting in pursuit of margin. And yet in the middle of nowhere in the

That's pretty interesting, because the US is often stereotyped for being aggressively cost-cutting in pursuit of margin. And yet in the middle of nowhere in the US local bank branches are still very common. I can easily get someone from my bank on the phone any time I need to. And if anyone attempts to move a large sum of money out of my account, the bank will promptly call me and freeze the action unless I allow it. Best of all the account is entirely free of fees with no minimum balance. That's still considered normal customer service by a local bank here in the US. I assume it degrades if you bank with one of the giants like Bank of America.