[marc0]

I'm a customer of a local bank in the village where I grew up (in Germany). They offer of course online banking etc like any decent bank, but the really good thing is: they know me and my familiy quite well and vice versa. So, when travelling, and when Internet and everything fails, it's easy to get the right people on the phone to find a solution. Also, it's easier to negotiate with them if you know them on a personal level (e.g. for reductions on all kind of fees etc). It's funny, but I found my village's bank a reliable fallback, no matter in which country or city I had lived.