Banks are a logical collection of memories, in other words, a group of memories that have something in common, sometimes beyond just being for the same agency or group. For example, say that you live in an area prone to wildfires. A bank could contain memories for city, county and state fire, law, National Forest, EMS, even Red Cross, etc. In California, we have "MTZs" or Mutual Threat Zones, areas that have adjoining jurisdictions. Those MTZs have pre-defined communications plans using frequencies from the involved agencies as well as Federal mutual aid frequencies. I use my FT-60s banks for those MTZs so I can scan the involved memories in a fire or other emergency.?