Big American banks have decent customer service IMO. I’ve had particularly good experiences with Chase, Amex, and Capital One. And those ones have invested heav

Big American banks have decent customer service IMO. I’ve had particularly good experiences with Chase, Amex, and Capital One. And those ones have invested heavily in their IT/digital experience. Might not be true elsewhere, in which case the case for a neobank is probably stronger. Also I signed up for Revolut in the US and not sure why it’s better from a fee perspective. It charges a percentage fee for ATM withdrawals which I’ve never seen before and frankly insane.