[al3x]

The financial system is inherently complicated. Having an account with a traditional bank is no guarantee that your financial life will be free of intermediaries. Banks outsource everything from IT to customer support to marketing and fraud analytics. Unless you either run a bank or work with a very basic credit union, you probably don't have the full picture of what's going on with your bank accounts.

Banking with us does not obfuscate where your funds reside. It does, however, mean that you don't have to deal with a bank for support and technology issues. Instead, you get to deal with a company that's focused on those things rather than on managing a treasury, making loans, etc.