Joint Account Option
Expense Alternative
Online Bill Pay
Mobile Check Deposit
Checks
Zelle
Outgoing Wires
Incoming Wires
Instant Internal Account Transfers
Automatic expense funding
Automatic goal/ expense spending
ACH Transfers
Transaction Notifications
Auto Save (auto transfer)
Graphical Spending analysis like simple
2FA
Custom notes on transactions
No fee for card declined
OFX Downloads (for integration with Quicken, etc.)