> The problem with changing banks to search for a ux you like is that it's not easy to see the ux before you've invested in signing up.

I agree. Better to deal with the devil you know rather than potentially one you don't.

Thankfully, I switched to a bank with a UI that was known good going by all the chatter I'd heard, but that's not really something you can guarantee to know. And even if you do know, if the rate is drastically worse at that bank than any of the others', then that's kind of moot.