There is a whole other issue that probably none of these banks address, fractional reserve banking and the safety of your cash come a serious financial crisis BUT 'what, me worry?'

Kasikorn. Been with them 7 years and customer service is top notch. Even when I couldn't see how to delete a payment on my internet banking on my iphone they helped me with it at the branch. Got locked out of my internet banking before so called them and their English was perfect. Normally Thais don't understand my North East England accent but these did.