Sorry for digging this out, but I have two confirmations from CS that I can just go to their office at the Zurich airport, which is open on Saturday and open a bank account with my EU-passport, no probs. Let's see if tht was correct. I have a contract and will soon be having a permit as well, but they said you don't need that. It's 6CHF per month, or from 15k balance banking is free with them... which sounds fair enough to me.