I'm not a rail-guy Raymond so I would not be a good person to recommend what you can program into banks related to rail. However I might suggest you put your favorite rail frequencies into Bank 1. Maybe in Bank 2 you put in various airport frequencies. Bank 3 can maybe be some nearby fire departments frequencies as there is many still on analog VHF (Northlake, Leyden, Niles, Wheeling, etc). Bank 4 could be business frequencies you have found. Don't know if this helps you but try to group the type of user into a bank so that it is easy for you to bring up and listen to them.