We set up a nice site for a local bank (http://www.myatlanticbank.com/) and were dismayed to see their online banking application. We had little control or opportunity to tweak the look and feel due to the limitations of this application.

We’ve been begging them to get something else for many of the reasons you mention in this post.

We’ll be pointing them here for some additional ammo. Nice post. Keep us posted on your idea…