I'd just change banks though. Its trivial when you only have a few bills that need ACH/EDI, and the rest of your payments are on auto-pay on a credit card (which you pay from your checking account). BankSimple (now Simple) let me down so many times during their tech upgrade, I simply moved over to Fidelity for my checking account needs. It took ~15 minutes to change my direct deposit online with my employer, and re-create my bill pay setup.

As a bank, you are a commodity. You simply store the bits that say how many resources I can consume over a moving window of time.