I recently switched to a new bank which is basically an offshoot of an existing one where they handle all of the development, and the parent company manages the legal/banking part.

It's a really awesome setup really because they are constantly adding new and fun features, experimenting with what works best. Stuff like automatically rounding up every transaction and sending the remainder to your savings.

The ability to instantly create and delete savings "accounts" without having to register a real account number on the phone. My favorite feature is what they call 2up where you send an invite to another member of the bank and you instantly get a shared account where you can both add and withdraw money. It also adds a second card to your phone wallet which draws from the shared account. So much less work and risk than traditional shared accounts.

Mine seems to use a different one each year :-/