Your last point is interesting and I agree. I wonder when the tipping point for most people will be banking in a browser as opposed to a physical location. I definitely do not envy those who have to design for banks because their work is surely cut out for them. Such a large dataset and support for everything down to IE6 (even futher?) must be a serious challenge.

Also checkout BankSimple, they're gearing up to change online banking as we know it– so says the hype machine.