Customer service in banks relies on effective communication, whether through personal interaction or equipment like phones, faxes, and email. Personal communication allows understanding between customers and staff but can be impacted by factors like education, age, and language barriers. While equipment provides speed, lower costs, and flexibility, it also introduces risks of technology problems, misunderstandings, and health issues from overuse. Overall, balancing personal and equipment-based communication with attention to factors affecting customer understanding leads to the best customer service.