We've definitely considered this and the only reason we haven't is that BofA offers a relatively nice mobile app, web interface, support (24/7), and permission

We've definitely considered this and the only reason we haven't is that BofA offers a relatively nice mobile app, web interface, support (24/7), and permission management (roles) for our team. I agree in principle but it's a tool that we actually spend a non-trivial amount of time in so the experience of interacting with the service is something we, unfortunately, can't fully discount.