As I mentioned downthread, it is incredibly tough to do good UX design inside of a traditional bank. I actually gave a talk on this recently for World Usability Day. You have regulatory and compliance issues, a patchwork of legacy systems and a huge array of 3rd party vendors to contend with. It's not that banks don't understand the importance of UX; it's just a very difficult environment to actually deliver it. Simple did a great job abstracting most of that by partnering with a bank instead of actually being one.