What is the most user friendly personal bank account?

Chase is honestly pretty good. Mobile app is solid, they offer OAuth so tools like Mint can do more than scrape, and it’s all pretty fast.

I also quite like Schwab.

I have been very happy with Charles Schwab. They offer an “Investor Checking” account which comes with a brokerage account also (you don’t have to use the brokerage account if you don’t want to).

Good mobile app, website, and pays a little interest as well as covers ATM fees.

Look into your local Credit Unions. They're (mostly) not big enough to make their own software and will have a SaaS.

Chase is solid. Capital One is probably good too since they're probably ahead of the others in terms of technology adoption. I don't like any online only banks like Ally, etc. Capital One was moving away from their branches but I think they still have the Cafes so it's kind of similar (?)

BofA is OK, not the best but not the worst, though it is gradually improving they are just slow to push changes from what I hear.

And the lack of proper MFA for any of them means they are all kind of sub-par!

Fidelity https://www.fidelity.com/go/special-offer

Not sure if you guys have this in the US, but in the UK/Europe we have a few good ones:

- Monzo - Revolut - Starling

I have been pretty happy with BofA. The mobile app is modern and wires and ACH can all be done online. I gripe though is that you cannot do either of those from the mobile app. You need to login to the website via a computer.

I’ve used point for a while and I’ve liked it. I’ve heard ally is good and some people I know use PNC and Chase but I have’t had the best experience with them.

I have been really happy with Ally for the past 10 years.