[throwaway092834]

You may be the odd one out then. I've spent a fair amount of time in lines at the bank and most people are quite chatty.

[kylec]

Even still, there's a difference between random chit-chat and the bank representative looking into your transaction history and making comments on it.

[Argorak]

Cultural behavior differs widely even between regions. Whats true at your bank could be entirely different 500 kilometers down the road.