100% agree, but there are some exciting banks out there doing innovative things (e.g. BBVA, Santandar, US Bank, Fidor, Silicon Valley Bank). There future of Open Banking is coming... It's just not here yet and I wouldn't hold your breath.
In the meantime...
Work at Dwolla. What us and others, like Plaid, have done is taken these partnerships, resources, compliance requirements, etc. and smashed them into endpoints, creating [hopefully] something you're looking for. Our White Label and co-branded APIs (https://developers.dwolla.com/). A quick list.
Create Bank Transfers - Yes Know Your Customer Verification - Yes Sandbox - Yes Bank account verification - Yes Webhooks - Yes Oauth - Yes (Co-branded only) Create Customer Records - Yes (White Label only)
Reach out to Spencer@Dwolla.com, if you think we can help to. (While we don't work directly with Plaid, we can be complimentary).