diff --git a/.gitignore b/.gitignore
index 5b97274..5ba8a33 100644
--- a/.gitignore
+++ b/.gitignore
@@ -50,4 +50,4 @@ RadioMusic/.RadioMusic.ino.swp
 RadioMusic/RadioMusic.ino.TEENSY31.hex
 >>>>>>> crossFade
 
-*.swo
+*.swo
\ No newline at end of file
diff --git a/RadioMusic/RadioMusic.ino b/RadioMusic/RadioMusic.ino
index d571c60..6a4c15c 100644
--- a/RadioMusic/RadioMusic.ino
+++ b/RadioMusic/RadioMusic.ino
@@ -68,6 +68,8 @@
 
 #define SD_CARD_CHECK_DELAY 20
 
+#define MAX_BANKS 16
+
 // //////////
 // TIMERS
 // //////////
@@ -86,6 +88,8 @@ boolean bankChangeMode = false;
 File settingsFile;
 
 Settings settings("SETTINGS.TXT");
+Settings* localSettings[MAX_BANKS];
+Settings* currentSettings = &settings;
 LedControl ledControl;
 FileScanner fileScanner;
 AudioEngine audioEngine;
@@ -122,9 +126,29 @@ void setup() {
 	File root = SD.open("/");
 	fileScanner.scan(&root, settings);
 
+	if(settings.local) {
+		for (int i=0; i < (fileScanner.lastBankIndex+1); i++){
+			char path[35];
+			sprintf(path, "%i/LOCAL.TXT",i);
+			localSettings[i] = (Settings*)malloc(sizeof(Settings));
+			localSettings[i] = new Settings(path);
+			localSettings[i]->init(hasSD);
+			localSettings[i]->local = 1;
+		}
+	}
+
 	getSavedBankPosition();
 
-	audioEngine.init(settings);
+	if (settings.local) {
+		*currentSettings = *localSettings[playState.bank];
+		fileScanner.scan(&root, *currentSettings);
+		D(
+			Serial.print("Using local settings from bank ");
+			Serial.println(playState.bank);
+		)
+	}
+
+	audioEngine.init(*currentSettings);
 
 	int numFiles = 0;
 	for(int i=0;i<=fileScanner.lastBankIndex;i++) {
@@ -147,7 +171,7 @@ void setup() {
 		D(Serial.print("Set bank to ");Serial.println(playState.bank););
 	}
 
-	interface.init(fileScanner.fileInfos[playState.bank][0].size, fileScanner.numFilesInBank[playState.bank], settings, &playState);
+	interface.init(fileScanner.fileInfos[playState.bank][0].size, fileScanner.numFilesInBank[playState.bank], *currentSettings, &playState);
 
 	D(Serial.println("--READY--"););
 }
@@ -272,7 +296,7 @@ void updateDisplay(uint16_t changes) {
 		} else {
 			ledFlashTimer = 0;
 		}
-	} else if (settings.showMeter && !bankChangeMode) {
+	} else if (currentSettings->showMeter && !bankChangeMode) {
 		peakMeter();
 	}
 }
@@ -299,6 +323,7 @@ uint16_t checkInterface() {
 		D(Serial.println("Exit bank change mode"););
 		flashLeds = false;
 		bankChangeMode = false;
+		if (settings.local) reBoot(0);
 	}
 
 	if(changes & BUTTON_PULSE) {
@@ -317,7 +342,7 @@ uint16_t checkInterface() {
 	bool skipToStartPoint = false;
 	bool speedChange = false;
 
-	if(settings.pitchMode) {
+	if(currentSettings->pitchMode) {
 
 		if(resetTriggered) {
 			skipToStartPoint = true;
@@ -344,7 +369,7 @@ uint16_t checkInterface() {
 
 	if(speedChange) doSpeedChange();
 	if(skipToStartPoint && !playState.channelChanged) {
-		if(settings.pitchMode) {
+		if(currentSettings->pitchMode) {
 			audioEngine.skipTo(0);
 		} else {
 			D(Serial.print("Skip to ");Serial.println(interface.start););
@@ -358,7 +383,7 @@ uint16_t checkInterface() {
 
 void doSpeedChange() {
 	float speed = 1.0;
-	speed = interface.rootNote - settings.rootNote;
+	speed = interface.rootNote - currentSettings->rootNote;
 	D(Serial.print("Root ");Serial.println(interface.rootNote););
 	speed = pow(2,speed / 12);
 
@@ -421,7 +446,7 @@ void engineTest() {
 #endif
 
 void peakMeter() {
-	if( (peakDisplayTimer < 50) || (meterDisplayDelayTimer < settings.meterHide) ) return;
+	if( (peakDisplayTimer < 50) || (meterDisplayDelayTimer < currentSettings->meterHide) ) return;
 
 	float peakReading = audioEngine.getPeak();
 	int monoPeak = round(peakReading * 4);
diff --git a/RadioMusic/Settings.cpp b/RadioMusic/Settings.cpp
index 181a1da..04d6415 100644
--- a/RadioMusic/Settings.cpp
+++ b/RadioMusic/Settings.cpp
@@ -34,12 +34,15 @@ void Settings::copyDefaults() {
 
 void Settings::read() {
 
-	D(Serial.println("Reading settings.txt"););
+	D(
+		Serial.print("Reading ");
+		Serial.println(_filename);
+	);
 
 	char character;
 	String settingName;
 	String settingValue;
-	settingsFile = SD.open("settings.txt");
+	settingsFile = SD.open(_filename);
 
 	uint8_t NAME = 1;
 	uint8_t VALUE = 2;
@@ -72,7 +75,8 @@ void Settings::read() {
 		settingsFile.close();
 	} else {
 		// if the file didn't open, print an error:
-		Serial.println("error opening settings.txt");
+		Serial.print("error opening ");
+		Serial.println(_filename);
 	}
 	// Do test settings here
 
@@ -240,6 +244,9 @@ void Settings::applySetting(String settingName, String settingValue) {
 	if(settingName.equalsIgnoreCase("quantiseNotePot") || settingName.equalsIgnoreCase("quantizeRootPot")) {
 		quantiseRootPot = toBoolean(settingValue);
 	}
+	if(settingName.equalsIgnoreCase("local")) {
+		local = toBoolean(settingValue);
+	}
 
 }
 
@@ -263,12 +270,13 @@ boolean Settings::toBoolean(String settingValue) {
 }
 
 void Settings::write() {
-	Serial.println("Settings file not found, writing new settings");
+	Serial.print(_filename);
+	Serial.println(" not found, writing new settings");
 
 	// Delete the old One
-	SD.remove("settings.txt");
+	SD.remove(_filename);
 	// Create new one
-	settingsFile = SD.open("settings.txt", FILE_WRITE);
+	settingsFile = SD.open(_filename, FILE_WRITE);
 	settingsFile.print("crossfade=");
 	settingsFile.println(crossfade);
 	settingsFile.print("crossfadeTime=");
@@ -293,6 +301,8 @@ void Settings::write() {
 	settingsFile.println(sort);
 	settingsFile.print("pitchMode=");
 	settingsFile.println(pitchMode);
+	settingsFile.print("local=");
+	settingsFile.println(local);
 	// close the file:
 	settingsFile.close();
 }
diff --git a/RadioMusic/Settings.h b/RadioMusic/Settings.h
index dcc1164..522d026 100644
--- a/RadioMusic/Settings.h
+++ b/RadioMusic/Settings.h
@@ -61,6 +61,9 @@ class Settings {
 	// Only overrides if true. Force no crossfades.
 	boolean hardSwap = false;
 
+	// Check bank directories for local settings.txt files
+	boolean local = false;
+
 	uint8_t loopMode = 0;
 
 private: