I don't know about everyone else, but I always used UK banks because 10 years ago when I started there weren't any American banks, or if there were, there was no following because I never heard of them. Ordering seeds was scary clandestine shit and I had to stick with the places that had hundreds of testimonials on here to give me confidence.
I'm both loyal and resistant to change and all these options nowadays are just overwhelming. But the tude and herbies don't take my card any more, so here I am. I still haven't found an American seed bank with the mind boggling variety of the UK banks that also has the throngs of rabid followers. I feel good about using Greenpoint though.