I think whether having a crypto banks purely speculative and is not important at all.
If banks everywhere wants a piece of the action and wants to be part of the crypto innovation, nothing is really stopping them from doing so.
For me mobile/online wallets and trade sites are quite the essentials anyone needs here.
Maybe at some point, there will be banks, till then I can't really see the big picture.
Good wallets however are crucially important and essential no doubt.
Maybe in the near future,there will be banks already that will accept cryptocurrencies.But in my own opinion,as long as we have our own trusted and secured wallets,then having some banks would not be that useful for us.