Okay, I'm not knocking Simple... they did a really good job and have been a competitor to look to. But I work for a major US bank -- actually, forget the anonym

Okay, I'm not knocking Simple... they did a really good job and have been a competitor to look to. But I work for a major US bank -- actually, forget the anonymity I work for Capital One; Forbes[1] called us the 9th largest US bank but it all depends on how you measure it -- and the features you say cannot be found anywhere else are part of our standard offering for all customers. For instance, you can sign up for a "360 Checking Account".[2] The account is free(no fees), and it has no minimum balance. You wanted the ability to "link other bank accounts and push/pull money at will": you can link up to 3 other bank accounts held in your name at other US banks and freely (in both senses of the word) push or pull money between them using ACH (which will take a few days to clear). You asked for "immediate push notifications when charges hit". The same account offers a debit/credit card and you can set a (configurable) minimum threshold and receive a notification by your choice of email or text message for any transactions over that amount. Set the minimum to $1 and you will get notified for all transactions. You asked for "free incoming wire transfers". This same account DOES charge a fee if you send a wire (and it is not a normally available feature), but receiving wires is free. That doesn't guarantee that "some mysterious fee [won't be] taken out" if someone else like the sending bank takes it, but WE won't charge you. And at the same time, you get a checking account with (free) bill pay, a huge network of (free) ATMs, and you even get paid interest on your balance. None of this is all that special. Sure, they are good practices, and not every bank offers them but there ARE some major players in the industry besides startups like Simple that are focused on offering a good product for their customers. Standard disclaimer: I clearly have a bias here since I happen to work for Capital One. Also I am not authorized to make public statements for them; I am merely summing up the facts you can read about on the linked web page. Or call our customer service line to confirm these details. [1] http://www.forbes.com/pictures/eehd45egjjk/9-capital-one-financial-corp/ http://www.forbes.com/pictures/eehd45egjjk/9-capital-one-fin... [2] https://home.capitalone360.com/online-checking-account https://home.capitalone360.com/online-checking-account