I feel like there is a lot my bank could be doing but isn't. Most of it relates to technology. First, I think a decent web interface for my money would be nic

I feel like there is a lot my bank could be doing but isn't. Most of it relates to technology. First, I think a decent web interface for my money would be nice. The bank wont let me have 20 checking accounts, but it would be nice if I could have the appearance of that many accounts in a web interface. One account for bills, one account for the new computer I want to buy, one account for food, one account for random transactions (i.e. where my debit card pulls from). Then, when my direct deposit paycheck comes in, I want to be able to have it automatically be split up into these bins. I do all of this mentally any way, but if I could see it on screen then it would make things much easier. I also want there to be text message alerts for things, especially overdraft. I got $720 in over draft fees for spending something like $150 last fall, this is absurd! If they had sent me a text message or email, or anything I wouldn't have had to skimp on Christmas presents. Of course many will say "this is how they make their money: fees." I would reply, "this is capitalism: have a better service and make your competitors bend to your will, or let them go bankrupt." I have come up with other ideas on what a bank could do, and would like to be updated if anything happens with this.