I don't see any advantage of using Monzo over BECU (seems you've got fewer features). What is the value pitch here?<p>The US market is a fair bit different than the UK, there are a plethora of banks and credit unions to choose from.<p>Most US Credit Unions will give you a free account with free access to the co-op ATM network (every 7-Eleven, many gas stations, every credit union atm, etc) and reimburse $20 to $30 in 3rd party ATM fees per month. Live chat, card freeze, Zelle support, etc is built into BECU, Umpqua and presumably most CU/bank apps & websites.