Not sure about requiring premium for these but ideas so far.
utility of some sort like a prefunded credit card( chimes credit builder) or loan to yourself(self).
Automatic Credit Card Transfers
The ability for the a.i. to track your balance and to transfer from cash/emergency/vault into whatever account you use to pay credit cards. as necessary to cover credit card usage.(I’m not sure if you’re able to use information collected by plaid or by other means. )
Monthly graph breaking down outflows into categories/vendors. Giving you even more information on your own habits.
(Assuming you can use plaid information) then also have a networth tracker (personal capital)
Mobile check deposit
Checks- as some places still use them sadly .
Send a check(one finance) would work for 90% of cases.
Some people would like the ability to make loans of some sort.
Might edit in the future as I think of stuff.
Btw, I’ll settle for a card made out of Silver