he/him 
The speed of the US bank system is atrocious. Waiting multiple days for transfers. I miss the instant transfers (even between banks!) in the UK. https://en.wikipedia.org/wiki/Faster_Payments_Service …
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For the ATM fees, check out
@CharlesSchwab
Yeah I'm already with Charles Schwab for brokerage. Trying to convert my account and they're making me fill out a 26 page form. Doesn't leave me very optimistic.
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Really? I've been able to open a checking account with just a free clicks (iirc), and they have been superb ever since
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I'm converting an international account which is probably why. Before I lived in the US I even had to submit a form to do a wire transfer. Dealing with them was extremely painful.
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