Well, I can provide you all an objective update. 1. The bank account portion is great. Wires go in and out no problem. Support is good. Fees are a little high given that you earn no interest so consider it a means to just park cash.
Now the brokerage - my opinion of it has changed to the point that I may actually close my brokerage account. Reason why is twofold: 1. aside from the high commissions, they have a high withholding tax for dividends. That really kills the attractiveness of any gains. 2. The way they figure out the cash portions of the remaining dividend that is not reinvestible is not intuitive. However, the prime concern I now have is that I have not gotten some of the dividends (at all) for some of the stocks and no one in their support system can explain why and neither can my personal banker. We are talking two months after the payout date. That is not good.
However the bank portion is solid and I would recommend it.