There's a lot of money to be made with overdraft fees and offering pseudo-banking services (cheque cashing places, refillable debit cards that can be ACH-deposi

There's a lot of money to be made with overdraft fees and offering pseudo-banking services (cheque cashing places, refillable debit cards that can be ACH-deposited into) to the unbanked, so US banks have a very strong incentive to keep their consumer-facing offerings slow and sucky.