Customization of order confirmation mails

Hi,

1. In the "bank transfer" payment method, you have a setting "bank information". The text you enter will be automatically displayed to the user at the end of the checkout with some explanation text (you can change that text with a translation override: www.hikashop.com/download/languages.html#modify ) if that payment method is selected. And similarly, that text will also be added to the email sent to the user (the order creation notification email) sent to the customer at the end of the checkout if that payment method is selected.
So normally, you should not need to customize the email to do that.

2. The layout of the emails can be modified by editing an email in the menu System>Emails, and clicking on the edit icon of the "template" setting. The template contains only HTML and CSS and no PHP code.
I knew HTML and CSS before taking any programing classes so I don't consider that you would need to be a programmer to be able to change the layout. Still, it requires knowledge of HTML and CSS and if you don't know them you won't be able to customize the layout as it's not just a drag & drop interface.
Now I don't know where you stand so I can't say if you would need to have someone help you with that or not.