Account portability works exactly like this in the UK. I can't say that banks here provide a much better service than I received in the US.
Really? "ATM" withdraws are free in the UK, money transfers are instant, checks are dead, and account data easily downloadable as e.g. CSV.
I've had US and UK accounts and it is night and day. Who were you banking with in the US who gave you as good of an experience as a UK bank because I'd love to move to them?
Get a local credit union and you should be more than happy.
The only times I get frustrated are when you need a lot of cash (think buying stuff from Craigslist). Incoming wires are free; outgoing wires are reasonably priced (and is how I submitted funds to the attorney in a different state to close on our house).
The few times I’ve had to contact customer support my wait time was in the single digit minutes.
Many other things I could add, but I already sound like a shill. Schwab is also great for ETFs. No experience with their other banking products.
If you look into the fintech space, there's a stark difference between Europe and the North American market. We have several players entering retail banking every year in Europe, and that's partly thanks to regulations.