By far the best response but in case my statement wasn't clear (for anyone that actually cares) the issue is that an online billing system costs roughly the sam

By far the best response but in case my statement wasn't clear (for anyone that actually cares) the issue is that an online billing system costs roughly the same amount whether you're a tiny local bank or Citibank so even though it's "Silicon Valley" bank it's far too expensive for them to build out sophisticated systems. You need to be huge to have these fancy features to amortize their cost across more users.