> that's it, i think. the idea is to have a bank that is rock solid (even when compared to other banks) and profitable for customers. maybe only offer one type

> that's it, i think. the idea is to have a bank that is rock solid (even when compared to other banks) and profitable for customers. maybe only offer one type of account, and have no minimum deposit. no fees, and offer ATM cost refunds. no personal loans. no credit cards. maybe offer a mortgage package, but probably not. no branches, obviously. customer service would be top priority. You're basically describing Fidelity to some degree. Their . cash management product basically has all of those features. They do offer a credit card, but word is they lose money on it to capture brokerage business. The issue is all of that is subsidized by brokerage clients, where the fee structure is still reasonable depending on what you're doing, but still mixes retail and investment banking, which I take as an implied no-no in this thread?