I like online banks for their flexibility. I mean it is possible to switch the plans according to my needs basically.
So if I see that I need more functionality then I can choose a more sophisticated one to get more advantages.
also there is a first month free trial. Which means you can use the most expensive plan and find out what your real banking needs are and whether you need banking services at all.
But bear in mind that some of your cards and other services will disappear after the trial period is over:(
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