It's harder than many other large corporations because banking laws vary from state to state, and there are federal laws restricting banks operating universally

It's harder than many other large corporations because banking laws vary from state to state, and there are federal laws restricting banks operating universally across several states. Also, as a 'startup bank' you are initially reliant on your incumbent rivals for clearing and interbank transactions (unless you do literally leave cash in a vault at 0%). I agree technology has made it much easier recently though.