I have absolutely no interest in using any of these online start-up banks, but Dutch banks tend to be pretty decent. They're well regulated and try to be aware of their social responsibility. Most of the banks I've worked for appear to the taking this fairly seriously, and try to run their software departments as real tech companies. They try to make accessing your money as easy, convenient and cheap as possible without compromising security. They're by no means perfect, but they're a lot better than most American banks sound.