Normal use accounts, no credit cards necessary, maybe savings accounts options would be a good idea, I think they would be.

Yeah it's the Scott Pape partitioning thing ,that's the main thing really. Anything else like what Ubank offers would be interesting bonuses. We don't open and close accounts often, it's just so hard to get hold of the current bank to change anything. We've got to somehow be in the same place, for a phone call during business hours in the week. That's hard to coordinate, or even remember to coordinate for people working and with kids.

Lol, you and Graphene OS, you've talked about it so much these last few months. Did you switch to it this year? I haven't gone down that road because I didn't want to get a Pixel, looks like those options are expanding though. I looked at Sailfish OS with a Jolla phone, but maybe for the next phone they'll be less rarefied, or I'd go fairphone.

Hadn't considered ING, are they easy to open and close accounts?

Yeah, that member owned part is a serious 'Pro' for me. But I don't know much else about them.

The key one is being able to open and close accounts far easier.

With my current one you have to call them, and they're only available to call on the third moon phase, while Saturn's rings are aligned with Pluto. It's ridiculously unavailable.

Edit: oh wait, I didn't read you're comment correctly. Bank Australia and Beyond Bank are both member owned and formed from credit unions? Interesting!