Please note I&#x27;m not trying to belittle your answer, but New Zealand is a very small place.  In the US there are Credit Unions (the smaller, less popular non-profit bank alternatives in the US) that have more members than the entire population of NZ.<p>If you were to only bank amongst one Credit Union here in the states you&#x27;d see similar levels of service to what you mention (other than chip &amp; pin which is only recently deployed).