interesting. Why would you be against an open source bank? Would you agree that banks aren't exactly cutting edge? If so, wouldn't it be better if they were? (More features, easier experience)? Thanks :)

Most businesses are probably running the majority of their banking through banking software -- so long as the bank integrates with their package of choice (Peachtree, etc), most won't care beyond basic friendly business banking practices.

Banks are not cutting edge in general, at least not in the US. If you look at other markets, like Europe, they adopted a lot of technology must faster than US banks: two-factor auth tokens, sending money via SMS, for example.

My bank here in Italy has a pretty good web interface, and very easy money transfers with IBAN. Other than that though, I prefer the low fees in the US.