We didn't find it easy to open a bank account, we walked the streets, popping into banks in the town. We were told by most that we must make an appointment, also that we would need to be referred by someone who banked with them. However we did get lucky with the Credit Mutual, the manager spoke a little English, I think it would have been impossible to open the account had that not been the case. We receive a bank statement every month. We had bought a house, to renovate, although we only visit, for maybe 2 separate weeks a year. We are using French contractors, and obviously need to be forwarding cheques on receipt of the factures. Hope this helps