A few things:<p>- Opening a bank account isn't pain and its free. If you do it locally at your bank, you can start using you account right away, you may have to wait a week or so for you credit/debit card and your online-banking pin, since they are send via mail. If you open an account with an online bank. You fill out the form, print it out, sign it, go to the post office with your ID, the post-person will check if your ID matches the form and send it to the bank. Few days later you will get your cards and passwords and are ready to go.<p>- Yes there are delays between banks. But there are some EU directives on the way, which seek to minimize the delay between banks in all of europe.<p>- I have no idea what your app is supposed to do. Is it some kind of fancy online-banking interface? With integrated accounting? For multiple accounts? The main-site (holvi.com) doesn't really help me with that.
There's certainly no need to sign off on your bank statements. However, the bank must ensure that you get them - so if you don't pick them up yourself, you get them sent every couple of month.
If you have a company blog, please put two things at the top: a short description of what you are doing and a link to your home page. Coming from HN with no previous knowledge of your company, I have no context at all.