Online Banking and Online learning

I had a thought. My online banking account is so not smart. It really only scratches the surface on the kinds of services it could offer me. I doubt that the banking industry is any less smart about technology then I am, but why don't they already offer additional online services?

For instance, make categorizing my expenses a lot easier (metatagging), more intuitive. Have some very short (5-10 minutes) modules on how to budget money, build a portfolio, avoid banking fees. I doubt that last one will surface.

ROI - If I felt like the bank was trying to assist me in my financial activities I would really increase my loyalty to them. I think this would work better then the billboard that says "Your local bank."

Just a thought.