Why would I use bank for my bitcoins? I also think that this idea is stupid, and I don`t know how banks are planning to get into bitcoin community. That will be tricky for them, what can they offer to me (or us) to open bitcoin wallet in some bank, pay monthly account maintenance, what can they do for me, that I can`t do myself?
Only one thing fall on my mind and that is high saving rate. I opened some saving calculator and for example best bank in my country offer if I save in my currency 1 000 000 dinars for one year (that is 9 000 dollars) I can earn 90 000 dinars (850 dollars).
If I save in foreign currency, for example dollars, 10 000 dollars for one year will bring me 396 dollars. Which is joke, so how big interest they can offer for bitcoin to I be attracted to save my bitcoins in some bank?
Agreed, if there is a bitcoin bank this is nothing difference with an ordinary bank in the public. Once we entrust our bitcoin to them they're gonna use our bitcoin to lend it to other bitcoin users with prior interest. Then like what you said monthly maintenance requirement because if we didn't comply to their rules our balance to them will reduce. And that's what I don't want to be happen, so I don't agree with such crazy idea.
in fact i am also not in favour of bitcoin bank in present time. i think it will effect the minority property of bitcoin. therefore i my self not in favour of bitcoin banks. i think there are so many advantages of using online wallet for depositing and withdrawal of bitcoin.