I think part of the problem is people dont complain to their bank about the lack of these features, and don't ask about them when shopping around for a new bank

I think part of the problem is people dont complain to their bank about the lack of these features, and don't ask about them when shopping around for a new bank. Call your bank. Ask for these features. What have you got to lose? They'll probably ignore you, but we have to start somewhere and asking them certainly won't make things worse.