Ask HN: Best Bank for Startups? (US, 2023)

Given the recent news about SVB, we're looking for a new bank. There was a previous Ask HN three years ago (https://news.ycombinator.com/item?id=23682511) with the same question, but a lot has changed since then, so it seems worth re-asking.

We've been using SVB, and have been thinking about changing for a while. They always seemed like they barely works. Their web UI was terrible, their communication wasn't great, and they didn't have features we want, like ghost/virtual debit cards for one-time/annual/monthly payments.