Change-Bank is a silly project. Nobody is going to put their coins in a bank or any centralized place, for the reasons that Andreas Antonopoulos cited. You cannot trust them because it can get hacked or stolen by a rogue employee.
Change-Bank is way too late to the party. Monaco, TenX and Centra are doing debit cards as well.
Banking and insurance are complicated business. Nobody on Change-Bank's team has any experience in banking or insurance.
When searching for coins, read:
There are 3 types of ICOs - Protect Yourself
https://bitcointalk.org/index.php?topic=2243157