> do not have bank account number portability built in What do you mean? I don't see how one would even conceivably bring an account number from bank to bank,

> do not have bank account number portability built in What do you mean? I don't see how one would even conceivably bring an account number from bank to bank, let alone why it would be desirable. In my experience, it's actually quite easy to switch banks. No more than 30 minutes tops (open account, change credit card autopay).