Interesting how a lot of these problems don't seem to exist in Europe. (I lived in Scotland, then moved to Finland. Of course I appreciate "Europe" is full of diverse companies, regulations, and facilities. Still I think it would be wierd to find people in Europe paying rent by mailing physical checks, etc.)

Specifically "ATM Fees" are something I've never had to deal with, fast transfers were the norm, simple analytics were common-place. (Things like pie-charts showing where your money had been spent from your "checking account".)

The only thing that has always been missing from companies I've used has been easy-to-automate-exports of data. You could login and export manually to CSV, etc, but you couldn't easily script that. That seems to be changing at the moment, and EU-wide there are provisions being made for exporting and API-usage (though I suspect it'll all be terrible.)

The Nordea bank I use in Finland has a very nice little mobile app for showing my my accounts, mortgages, and investments. It also lets me schedule appointments, or call customer-support.

Customer service is hard though; much like delivery companies there are only so many banks to choose from. Name any name and ten people will say "Worst. Bank. Ever". I've used maybe five banks in my life-time, and none were terrible, even if some were better than average.