Erm... don't take this the wrong way, but this is one of those things where if you have to ask, you probably shouldn't do it. You'd probably be much better off finding a cofounder who has experience in banking. There are a lot of regulations that banks have to comply with, and every time you miss one of them (which is almost unavoidable), it's a potential lawsuit.

Still, I hope you're successful. I'd love to see better banks.