I have had bank accounts with various local banks and so far I am very pleased with the service. Choose the one which is closest to you, resp. which has the closest ATMs near you, which might be BII, BNI, Bank Permata, BCA, Bank Danamon, they are all O.K. If you have to go often you may check out if it is very growded, some years ago I had changed my 'major' account from BCA to Bank Permata because at the BCA near to my place I usually had to wait in line very often whereas at Bank Permata I am greeted and taken care of immediately upon arrival. I do have a US$ account there as well, and the internet banking works great for me, much easier then the one of my bank in Europe. Bank Danamon I choose to have my electricity and telefon bills paid without me having to do more then picking up the receipt at times, a service Bank Permata is not offering.