I would love a Flickr-like bank. Banks are only open about 8 hours out of 24, and (at least here in NZ) even when I do an online money transfer, it only goes through in their batch that midnight. I would love a front-end to our bank system that did things right, especially instant and easy transfers.
I guess you could say PayPal tries to do this, but you have to get money in and out of PayPal, and they have high fees.
Yeah, I've only ever found one bank that had a web interface that let you do immediate transfers 24/7 between accounts and credit cards. Unfortunately it's a 2 branch credit union 300 miles from where I now live, but I still hang onto that account just because.
I know they're not playing with a lot of resources, so I'm always amazed at how much better they are at doing EVERYTHING than Chase, etc.
I guess you could say PayPal tries to do this, but you have to get money in and out of PayPal, and they have high fees.