Check out pcfinancial.ca. Here in Canada I thought we were totally behind on just about everything the states has. That was until I tried living there. Banking

Check out pcfinancial.ca. Here in Canada I thought we were totally behind on just about everything the states has. That was until I tried living there. Banking in the states is so fragmented and difficult! The big banks were a nightmare to deal with when something goes wrong and merely average when everything was fine. The smaller banks, some of which are awesome, are useless when you leave their prime territory. Even in Manhattan, it was difficult to find a branch let alone a bank machine of WaMu - which is the one I finally settled for. I'll admit that if you can get an employee type plan from Bank of America that cuts fees and makes it all nice and dandy then you are better off doing that. OTHERWISE, look at pcfinancial. It's so basic and hasn't changed it's services much in the last 10 years I've used it. Use that as a base model and innovate. Also, look up how much money you need to have to legally register as a banking institution.