I knew someone would comment on the borderless account (I opened these, too), but it's not even close.

The borderless accounts are:

1. Limited to a handful of currencies. OFX isn't.

2. In the US at least, can't receive international transfers. OFX can. I'm sure there are other limitations, too.

3. It's unclear how much is to be paid to transfer the money from the borderless account to yours. OFX charges nothing to keep the incoming funds "in custody" for up to a month.