Three major online-first banks was clearly just way too much competition. This merger fixes the situation down to the "token two" where they only have to compete on marketing rather than anything relating to actual features like product offerings, fees, website usability, customer service, etc. Now they can switch to shameless extraction mode like the regional and national brick-and-mortar banks.
Ally. There's also Alliant Credit Union which I left out because I think their website/app usability is abjectly atrocious (and my statement was still technically correct because CU).
Admittedly I haven't kept up with new options in the past few years, but my main goal is stability for not having to redo all the setup so new startupy options are kind of inherently uninteresting.
