In fairly random order, it’s the lack of the following features:
- joint account
- International payments
- paper statements
- online banking
- cheque acceptance other than through the mail
- pin / password / fingerprint lock for the app
I consider the 1st five absolutely crucial core-banking features, and cannot accept a bank account without these for anything else than odd transactions here and there… (and before someone else says this: yes, I can’t wait for the day when paper statements and cheques die in a lake of fire, but we are not there yet, and on my own I’m not going to change that, however much I wish I could.)