Japanese banks are famous for being extremely inefficient and slow. There is really not much favorable to be said here. The opening hours are short, which seems even more ridiculous than in other countries considering that anything else is almost always open for business, and they apply even to ATM: At night and weekends ATM are either shut down, locked away, or offer only limited services for additional after-hours charges. Is there a special reason why you cannot update your bank book after 5 pm? I have a rather strained relationship with ATM anyway, and even broke a couple of them (once two within ten minutes) trying to deposit coins. Depositing coins, by the way, is limited to a hundred coins at my bank. The user interface (colorful touchscreen, animated digital employee, bilingual in speech and writing) should be a little less flashy for me, too. I do not need a machine shouting at me in a banking lobby, and entering a PIN on a touchscreen seems strange as well. When a bank happens to be open, there are always two or three employees whose only task seems to be to greet your entrance. Cannot they use all this man-power to keep the door open a while longer? Changing money is a difficult task as well, you need to show some identification and they need to call the branch manager to check the foreign notes. I had some US dollar bills handed back to me once because they did not like the look of them. I am not sure if interest rates here are funny or sad.