Maybe it is because the services sucks as well. American banks are decades behind Eastern Europe, Russia or even Africa. Just basics: account where 'overdraft

Maybe it is because the services sucks as well. American banks are decades behind Eastern Europe, Russia or even Africa. Just basics: account where 'overdraft' is not possible (account can not go into minus). Debit with low (5%) interest can be arranged separately . My bank had mobile banking in 1999 (simtoolkit & SMS). In 2002 mobile banking become free! Credit card fraud? How about white-listing expected transactions over the internet? How about setting up your own filters?