Banks are ruled by iron fist, old school systems that effectively get a long line of innovation only when needed. Think Cobol, 2000 year issues. Millions were spent on the infrastructure eons ago, and the idea of innovation goes exactly against what they stand up for - stingy, Scrooge type ideals. I don't blame them, but tech eventually moves around ideas like this. Think again of the automotive industry, and why don't we have 1 billion new ideas extended to the most vast product producing machine in the country ... unions, old school profit engines (pardon the pun), and the sticky idea that innovation will disrupt it. Tesla is basically the ONLY car dealer to shake the crust off, because its THAT much better of a tech innovator. Not without the fight from big-auto though. It's just how these machines work, however because banking online and new startup FDIC innovation driven banks work WAY BETTER than these dinosaurs. Lucky for me, my bank doesn't even have branches ... so I get my dough back from the ATMs I use, within reason mind you. Online services are STELLAR, because of the reinvestment into tech vs. traditional banks. Ah, I hope they ALL die to be honest.