Fun fact - most of these "innovative" banks (Chime, Mercury, Rho, etc.) are just "skins" on top of legacy banks that built out APIs (which in itself is probably

Fun fact - most of these "innovative" banks (Chime, Mercury, Rho, etc.) are just "skins" on top of legacy banks that built out APIs (which in itself is probably innovation). I'm not aware of any classic "bank" that does the old boring retail stuff that Chase, BoA, etc. do but add in APIs, free wires, etc.