I've noticed that American banking is stuck somewhere in the 19th century compared to Europe where everything is fresh, shiny and often free.
Or it could be anywhere else other than the EU. We're rather lucky with all the tech tossers throwing new types of banking at us all the time.
I have noticed this too actually. I mean, how long did it take for the security chips to make it on the credit/debit cards and for stores to actually accept them? It took the longest time ever. And not only that but people where bitching the whole time too because it was a minor inconvenience to be told that you have to insert the chip rather than swipe.
Things are always slower in terms of progress here in the good ole US.