As an American (banking system), I carefully choose which banks and credit unions I use based on a multitude of factors. Anecdotally many of my friends and colleagues are the same, the service and benefits (and hassles) vary greatly from one financial institution to another.
Yeah I guess I'm asking from EU perspective where in 2 countries I haven't really experienced any difference between available banks. I just went with first advice and haven't really noticed something was missing
