Complexity is catching up with the nation's big banks, offering an opportunity for smaller regional players to thrive, said Jay Sidhu, CEO of Customers Bank. Sidhu added that Customers is able to compete with personalized service while big banks are trying to be 'everything to everybody'. He said Customers is aggressively targeting millennials with its BankMobile product which charges no fees and offers checking, savings, lines of credit and joint accounts. BankMobile will also provide customers access to over 55,000 surcharge-free ATMs, a higher savings rate and a personal banker.