I'm counting credit cards as part of "banking". Financial services would maybe be a better name. As far as insanity, I mean more little things. I can't speak

I'm counting credit cards as part of "banking". Financial services would maybe be a better name. As far as insanity, I mean more little things. I can't speak for most US banks, as I only have accounts at BMO Harris. But for one thing, the statements I get from them are nuts. They list deposits, and withdrawals - the amounts, but not the dates, and not the resulting balance. And then separately they list a record of the balance throughout the month - not the amounts of the changes, but the new balance after each change, along with the date. So in order to determine wtf actually happened, you have to compare the (potentially long!) list of undated transactions with the changes in balance throughout the month (which you have to calculate yourself) to find out what happened when. I mean... it's seriously like it's intentionally as convoluted as possible. My statements from BMO Canada on the other hand show a sane account listing with transactions, dates, amounts, and resulting balance. On the other hand, BMO Harris will mail a physical check (not a cheque! :P ) to anyone in the US for me, for free. Coming from Canadian banking, I was shocked that such a service existed, let alone on regular accounts with no usage fee. It's hilarious that you can do that but you can't send electronic transfers, but it's still extremely convenient, especially when doing business remotely from Canada!