Banks are never as awesome as the one in It's a Wonderful Life where Jimmy Stewart
lets the mob destroy the bank and murder-kill everyone in their path starts giving away his money all dreamy-like, so a group of mostly bearded West-Coasters and their ex-Aussie leader have birthed Bank Simple, which teams with FDIC-insured banks while minimizing transaction fees, BofA-style debit charges, overdraft penalties, or minimum balance requirements. Snag an account and be blessed with:
Autosave: Just like an adult with mad math skills, tell Simple the cost of a planned future expenditure and the desired date of purchase, and it'll automatically put away a small amount daily so you'll effortlessly hit the target, something Tim Tebow can't seem to do, god bless him.
Stay Under Budget: BS accounts keep a running "Safe to Spend" balance, which analyzes monthly expenditures, income, and savings, so you know just how many nights you need to eat cereal before snagging that replica Mrs. Doubtfire costume.
Remember Checks?: Continue the illusion of never paying your bills, but actually start paying them with the Bill Pay system, which'll send out checks and even allow you to deposit them with their smartphone app.
Free ATMs: Yeah, they've got like, 40000 of them
in Hillcrest, alone!.
Customer Service: Chat in real time with real people, although it would be pretty incredible if they could figure out some way to get Reallife Dreamland Babies to solve your log-in issues.
Be Your Own Big Brother: From the day you join up, Bank records every transaction, keeping track of time and geolocation so users can enter keywords like "lunch" and get a list of every noon-time expenditure you've ever made...then immediately destroy them, lest your GF question why you spent your lunch break wiring three grand to the Russian marriage website ItsAWonderfulWife.USSR.org.