1) It makes perfect sense that a new account is created and that transactions pre-incorporation are not automatically imported. Your new company is required to have accurate books; you can't pretend that transactions executed before the company existed (ie. by you personally?) were actually executed by the company you've later incorporated.

2) SVB seems to be nobody's favorite bank, but it's quite clear to me that they have been chosen for their willingness to bank for every Atlas customer—including companies founded and operated by non-U.S. persons—without requiring an in-person visit. If this is not a problem for you then consider yourself lucky for having other choices.

3) Your third problem sounds like you've identified a better bank, but they have not accepted you as a client. How is that an issue with Stripe Atlas? They have simply identified and worked with a bank who was willing accept you.