Erm... don't take this the wrong way, but this is one of those things where if you have to ask, you probably shouldn't do it.  You'd probably be <i>much</i> better off finding a cofounder who has experience in banking.  There are a <i>lot</i> of regulations that banks have to comply with, and every time you miss one of them (which is almost unavoidable), it's a potential lawsuit.<p>Still, I hope you're successful.  I'd love to see better banks.