Erm... don't take this the wrong way, but this is one of those things where if you have to ask, you probably shouldn't do it. You'd probably be much better off

Erm... don't take this the wrong way, but this is one of those things where if you have to ask, you probably shouldn't do it. You'd probably be much better off finding a cofounder who has experience in banking. There are a lot of regulations that banks have to comply with, and every time you miss one of them (which is almost unavoidable), it's a potential lawsuit. Still, I hope you're successful. I'd love to see better banks.