This is a big bank locally with lots of branches. You can make an account with just a signature at the Kenkyu Gakuen Toshi branch which is in AiAi Mall. When you open an account at Joyo, you get an エースカード (ACE CARD). This card allows you to do all the normal banking stuff at Joyo ATM machines. It also allows you to withdraw cash at 7-11 ATM, Tokyo Mitsubishi UFJ ATM etc all over Japan. If you want to use it in a convenience store, just make sure that the ATM sign outside says 銀行ATM (= bank ATM)