They dont know what they're doing
This pioneering online bank really has no idea what they are doing.  When i first started with the bank, it took them they couldn't get me my card the first two times they tried to mail it to me.  After the first time, they didn't apologise, nor did they offer me a complimentary express shipping.  I asked something like - since ive not gotten my card for a month, could you maybe thrown in free express shipping?

The only way to actually get my card was to complain on Twitter.  Then they threw in express shipping.  

Today, i asked them if theres any way i could get a physical check made.  Turns out, there's not.  There is absolutely no way to write a check with this bank.  I need a check to renew my passport.  And there advise was "ask the US embassy if they can do accept a transfer."  

It may not seem like a big deal, but the inability to write a check can be a big setback in certain situations.  And of course, their inability to deliver a card is an embarassment.  

It seems like they had the idea, "let's have a 100% online bank!" and they didnt think too much about the execution.  I plan on changing banks next week.

EDIT: similarly in their reply below, they suggested ways to pay the embassy THAT THE EMBASSY DOES NOT ACCEPT.  They really do not know what they're doing.