In Japan we banked with Sakura Bank which became SMBC. True, only good for local banking but service otherwise was very good. I had a personal account with Shinsei and they were good. It was the very bad service of Shitty which infuriated everyone. At least at SMBC I could take a pot of mixed change in every so often and they'd happily pour it into one of those counting machine thingies. They'd growl at you in Shitty and send you to the corner with a pile of plastic baskets to count it out yourself. As the account was in Mr SS's name I'd have to get a form signed by him allowing me to make transactions on his behalf. Every time I had this form completed they would find something new and different that Mr SS "should have written". A friend badly injured his right hand and it was in a cast. Despite carrying ID the woman wouldn't allow him to make a counter transaction as his signature "differed" - I kid you not! Sorry, going on a bit, but you get the idea!