Very well written. When you turn against your customers' welfare, you're almost always going down a path of failure in the long run.
USAA is a great company. They give you ATM fee reimbursements which is a huge benefit over simple. I feel guilty getting them since they have to eat that cost. In dealing with them, they're always pleasant and friendly, but they have policies like photo check deposit is only available if you're ex-military.
Hope that helps!
No way.
While banks may be horrible to their retail customers, the regulations that protect them exist for a reason. The current state of affairs is far, far better than having hundreds of thousands of banks which could fail and drop off the map with all of their customers' assets at any time.
FDIC insurance has changed that, but a prudent insurance company would not insure a startup bank, or if it did, it would need to collect so much for that risk that the startup bank couldn't offer anything competitive. The FDIC is almost certainly not going to do this.
Simple is a UI on top of a traditional bank.
That is, transporting large amounts of cash is strong evidence of criminal behaviour, is subject to seizure, etc.