It's easy. To open an account, you only need your passport. Usually it takes from five till ten minutes. You can get visa and master, connected to your account (I heard about amex, but I'm not sure about it). I don't know about other services, because I have never use it. As for me, CKB (Centralna Kommercialna Banka) and Hipotekarna banka is ok. Usually, in Hipotekarna you don't need to wait much time.
