Your bank just sucks, not all of them are like this: n26 for example got a good application and is now in the US and is big in Europe. Nubank as well(Latin ame

Your bank just sucks, not all of them are like this: n26 for example got a good application and is now in the US and is big in Europe. Nubank as well(Latin america). There are other competitors in that space. On my home country(I now live in Europe ;-) ), Brazil, there are so many banks that have amazing apps, customer service and are completely free, with an overall modern banking system, that I wonder if North America didn't really manage to get in the XXI century :-). It's also kind of cheap to build the software to run a digital bank, possibly much more cheaper than the banking license itself.