Upon reviewing a few banking apps and interviewing users, I discovered that the users that do use a banking application, use their own bank's application. They would welcome an app that is universal in nature and easy to add accounts.
The below is a quick study of a flow to add an account to a universal banking application built in Balsamiq for a low fiedelity conversation with team players and stakeholders.
Add and Manage Friends App Flow
Flow example for iOS application. Click on link below.