Just a little bit longer my friend. Archaic banks will be a thing of the past I'm sure. Meanwhile we had a new bank hier called bunq that you could setup an account with within 10 minutes from the leasure of your own couch. They were really progressive, until they fumbled the ball with a change to high account costs after a while. But it's writings on the wall that change is coming !
I think the change is definitely coming you are right. There have been a couple of startups which have tried to mix it up a bit but they have been made to toe the line. But all of them are on borrowed time now!