ItBit is an exchange now and applying for a banking licence. I hope they are going accept deposits and operate like a conventional fiat bank, but adds a seamless bitcoin integration as a "foreign currency". They will offer loans only in fiat with an option to convert to bitcoin at a special rate.
[/quote]

This would be great and set the standard for how easy it should be to use your bank to buy and sell bitcoins. If this becomes the norm across the banking industry, then bitcoin will have a legit chance for mainstream adoption.