Easy ways to open and close new accounts using the web interface. Operations like closing out an old savings account, opening a new one, etc. are simple to des

Easy ways to open and close new accounts using the web interface. Operations like closing out an old savings account, opening a new one, etc. are simple to describe operationally, but aren't possible/are very hard online. Also, detailed explanations of bank-initiated charges in the transaction list. I'd like to know why my account has started charging me $4 a month, and "Maintenance Fee" isn't very descriptive. Especially since it seems to be new.