You deserve more from your bank.
Here are a few things you should expect to receive.
You want your banking experience to be fast, easy, and convenient. But how can that work? What should you look for?
The answers are apparent in some cases, but with the way many banks advertise, it's often hard to tell what you're really getting. Here are a few of the things you should expect from your bank:
- Better interest rates
- You've seen many banks' ads for free checking, but then what is the interest rate? With free checking accounts, many banks pay little or no interest.
- Enhanced security features
- Security is important to you—as it should be. And your bank should have increased their security measures for their online banking with enhanced login security features. These provide additional security measure to your login process, making it more difficult for scammers or identity thieves to access your account(s). Also, check that your bank has other protections in place as well: 128-bit data encryption for the connection between your computer and your bank, FDIC insurance, and policies, procedures, and other communication programs that protect your personal information.
- Speak with an actual banker 24/7
- In this day and age, you appreciate speaking with someone who knows the business. And some banks make it easy to talk to a live person. If you call your bank, an actual banker should only be one phone menu option away—or should pick up the line when you call.
- Bill payment flexibility so you can pay anyone, and write your own paper check
- You may have thought that you could only use your bank's Bill Pay feature to pay service providers or other companies. But some banks' Bill Pay programs now allow you to pay anyone—whether it's a person or business. And you should have the option of paying electronically or by paper check.
- Aggregated account information
- The more you can do and see in one place, the quicker and easier it makes things for you. So look for account aggregation from your bank. It's the ability to gather all of your account information—whether it's from your bank or another's—into their website for viewing. That way, you have an all-in-one view of your financial picture. That can really simplify your financial life.
- Smart Alerts
- Who doesn't need a little reminder now and then? So, make sure that your bank offers alerts. These alerts can notify you of CD maturity dates, successful funds transfers, or even if you're accounts hit a certain balance.
- Customizable web experience
- You want to bank your way. So make sure that you bank's online banking tool gives you the ability to set up your account and reports the way that you want.
- Innovative, flexible products
- You can always take your business elsewhere. Smart banks know that. So make sure your bank tries to stay ahead of the curve by offering you innovative, flexible products—with choices in features, maturity dates, and more.
- What is the future of banking?
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