Banks already exist in the US that do similar things, like Simple (https://www.simple.com/ https://www.simple.com/) and Chime (https://www.chimebank.com/ https:

Banks already exist in the US that do similar things, like Simple (https://www.simple.com/ https://www.simple.com/) and Chime (https://www.chimebank.com/ https://www.chimebank.com/), among others.