What Should I Expect from Neobank App Development Services in USA?

[Client Prabusam28]

I'm researching Neobank app development services in USA for a fintech startup, and I'd love to hear from founders or product managers who've gone through the process.
Many service providers mention account management, digital onboarding, virtual cards, payment integration, analytics, and security, but it's not always clear what's included in a standard development package and what requires additional customization.
I'm trying to prepare a proper feature roadmap before contacting vendors.
Some of the features we're considering include:

• Digital account opening
  
• KYC verification
  
• Virtual & physical cards
  
• Money transfers
  
• Budget tracking
  
• Multi-currency support
  
• Push notifications
  
• Admin dashboard
  
• Fraud monitoring
  

While researching, Techzarinfo came up among companies offering neobank development services, but I'd like to know whether anyone has evaluated them or similar firms.
What services proved most valuable during your project? Were there any hidden costs or overlooked requirements that you wish you'd known beforehand?
Any advice would be greatly appreciated.