Possibly, but... have you gone in to a bank and asked if you could test drive all web and mobile apps for some period of time to make sure everything was up to

Possibly, but... have you gone in to a bank and asked if you could test drive all web and mobile apps for some period of time to make sure everything was up to snuff? FISERV is a dominant player in this space. Either this situation is a matter of configuration/settings, or a limitation of their software. I have no idea that a different bank would have better systems, and it's a Really Big Deal to move business banking.