If you want to talk to your banker on the phone, you will need to take the timezone into account, the closer being often the better. A large difference (8 hours or more) between your timezone and the bank's timezone can be bearable if you are located East of the bank, since you can always call from home late at night and reach the bank during office hours, whereas if you live West of the bank, you may have to wake up real early to do the same.