Pros
Working in a retail bank normally gives you a steady schedule and the opportunity to impact the financial lives of the people in your community in a positive way. Many of the people I worked with were positive, helpful, and friendly.
Cons
Management is poor and inconsistent. You are told one thing and then punished for doing what you are told. If you weren't personal friends with the Regional Manager there was nothing you could do to gain positive recognition (even if you and your branch were consistently ranked among the top in the bank). The atmosphere was incredibly unprofessional- communications and documents were poorly written, bank conferences were essentially booze fests and I know at least once a Regional Manager was smoking pot with some Branch Managers in one of the hotel rooms. God forbid you mention an error or try to proactively fix a mistake. If that were to happen a lecture would ensue.