And of course, all of the other banks are nearly as corrupt as BofA.

A lot could change if we all switched to small credit unions; of course, small credit unions can't offer all the fancy featurs of a multinational (like automatic online bill pay or whatever).

As consumers, we have chosen megabanks, even if we realize they are the problem here.

> As consumers, we have chosen megabanks, even if we realize they are the problem here.

This almost seems to be a truism. Laziness wins out. But when BoA announced their plan to charge monthly debit card fees, a massive amount of people left for credit unions in a very short time, there is a limit to how much people will take. I was going to follow suit, there are a number of attractive credit unions in the Greater Seattle area, but out of laziness I decided to wait them out and see if they would actually do it. They backpedaled, and simultaneously fixed the other biggest issue I had with them. That was not showing pending transactions on my online statement. I'm still with them...

* small credit unions can't offer all the fancy featurs of a multinational (like automatic online bill pay or whatever).*

I'm with a credit union now and it offers bill pay (with lots of features). I don't know if it can be set to completely automatic since I like to check each bill prior to money leaving my account, but bills show up in my account for me to examine and I click pay. Takes about 30 seconds or so. Their service will also cut checks and mail them to people for things like rent or my current water utility that only accepts payments sent through the mail. This is included and has no additional charge. They also have great loan rates, and it's nice to deal with friendly local people.

Small community banks still exist. Mine offers online bill pay, and just about every other "fancy features" that larger banks do.

So, yeah, there are options other than huge bank or crippled credit union.

> small credit unions can't offer all the fancy featurs of a multinational (like automatic online bill pay or whatever).

I've only banked with 2 credit unions, but both offered this feature. Maybe I was just lucky, but online bill pay seems like a solved space at this point.

If not, surely that's a solid start-up idea?

I've always wondered why Mint.com doesn't offer white-label services like this to financial institutions. They've got the UX down really well and they seem poised to offer a lot of cool features in this space if they could offer a tighter integration with banks.