I agree completely with you Johnx
The bank dosent really matter so much.
having lived across different parts of andalucia for almost a decade the branch to branch experience couldnt have been more different.
from amazing experiences with the staff to walking in one day and walking out with a closed account due to rudeness.
but there is also the fact that relationships take time to build in spain so it can take over 6 months of going into the same bank daily for them to greet you with a smile, hug and coffee.
although not quite, its a bit like the uk in the 60`s where the bank manager would call at your house or you would actually go to see him rather than a faceless clerk.
banking is very different in spain if you are in one of the more remote or pikey places.
i cant speak for north and other places but in the south i am pretty happy with the whole thing.