Apple Card: Wallet is way better than my bank's app. I have to go through far fewer steps to make a payment. I now keep the physical card locked, and then unlock it just before I need to use it. I have notifications turned on so I get notified of all transactions. Notifications so far happen in real time, unlike my banking app. I rarely use the web portal for my old bank cards. I don't miss a web portal for payment... at all.
So now I want Apple Cash to replace my checking account. Direct deposit, physical debit card, and mailing checks to the one biller I can't get to switch to ACH withdrawals. I'd switch immediately for the simpler process to lock/unlock physical debit card, viewing transactions, and real time transaction notifications.