chase is killing me and i need out. running a web agency and their system is making simple stuff way harder than it should be dealing with retainer payments coming in weird cycles, project deposits, paying contractors in different time zones, plus all the usual agency bs like software subscriptions and random client expenses. chase treats every wire like i'm laundering money and their reporting is useless when my accountant asks for breakdowns by client or project the final straw was last week when they held a $15k retainer payment for "review" and i couldn't pay my contractor on time. client thinks we're disorganized, contractor is pissed, and i'm stuck explaining why a basic bank transfer takes 5 business days in 2024 been seeing mercury, novo, lili everywhere in agency slack groups but honestly can't tell who's actually using them vs just getting referral bonuses. most "reviews" read like affiliate spam specific agency pain points: client payments (mix of ach, wires, some international) paying contractors without drama, expense tracking that doesn't make me want to die during tax season, something my accountant can actually work with for project profitability. anyone running an agency made this switch? any gotchas with client wires or contractor payments i should know about? desperate to stop spending 2 hours every other week fighting with my bank