There's a lesson here. It's a quote I remember from a long time ago, but I don't remember who said it. All great things come from the inspired genius of one man. The world abounds with the reaffirmation of this wisdom. Individuals who have a vision and strive to fulfill their dreams bring a basic passion and clarity to any project.
Software designed by megacompanies and their committees almost never inspires.
And as we see here, cannot even maintain its balance, common sense and simple honesty. Whenever that happens, the time is ripe for someone with a vision to come in and capture the imagination of the people, just as Steve Jobs captured the vision for a better personal computer away from IBM in 1984. Somewhere out there is a medium sized company that could be a David to Intuit's Goliath. Somewhere out there is someone with a vision for the right way to do checking and on-line banking. Maybe it's one of the companies mentioned above or in the forum, or maybe it will be a new initiative.