i have a vision

I have a vision where online banking:

• is easy, both at home, in the car, and walking the dog.
• has integrated account aggregation, not a separate service.
• tracks my spending for me. No need for Quicken. And lets me categorize my expenses too.
• lets me change my address, order a new debit card, suggest a new product to my CU, chat with a live member service rep, view my email statements easily, dispute charges, and know when I’m out of checks and orders me new ones. (Not that I actually use checks…)
• is seamlessly integrated into the CSS of the homepage.
• has ads that are relevant to me, not the same thing every time.
• let me open ANY account I want to.
• actual can replace a fully functioning branch.

Until then, beam me up Scotty.