Great Online Banking Experiences?

27 Jun 2008 - 10:04am
3 years ago
23 replies
2128 reads
ambroselittle
2008

Are there any stellar online banking experiences out there that you know of?

--Ambrose

Comments

27 Jun 2008 - 10:43am
White, Jeff
2007

For me, Bank of America completely rocks. I've used their online banking for
more than 5 years now, and have always loved it. Having lived in Charlotte,
NC (BOA headquarters) in the past, I got to see their new ATM designs, which
are a good example of Interaction Design at the overall experience/service
design level - the combination of the new ATMs + online banking was really
well executed IMO.

I believe they won some awards for online banking experience several years
ago.

Jeff

On Fri, Jun 27, 2008 at 8:04 AM, J. Ambrose Little <ambrose at aspalliance.com>
wrote:

> Are there any stellar online banking experiences out there that you know
> of?
>
> --Ambrose
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help
>

27 Jun 2008 - 11:30am
christine chastain
2008

I think Wachovia is also pretty good and is one of the few banks that has
done a good job bridging brick and mortar with the online world.

On Fri, Jun 27, 2008 at 8:43 AM, Jeff White <jwhite31 at gmail.com> wrote:

> For me, Bank of America completely rocks. I've used their online banking
> for
> more than 5 years now, and have always loved it. Having lived in Charlotte,
> NC (BOA headquarters) in the past, I got to see their new ATM designs,
> which
> are a good example of Interaction Design at the overall experience/service
> design level - the combination of the new ATMs + online banking was really
> well executed IMO.
>
> I believe they won some awards for online banking experience several years
> ago.
>
> Jeff
>
> On Fri, Jun 27, 2008 at 8:04 AM, J. Ambrose Little <
> ambrose at aspalliance.com>
> wrote:
>
> > Are there any stellar online banking experiences out there that you know
> > of?
> >
> > --Ambrose
> > ________________________________________________________________
> > Welcome to the Interaction Design Association (IxDA)!
> > To post to this list ....... discuss at ixda.org
> > Unsubscribe ................ http://www.ixda.org/unsubscribe
> > List Guidelines ............ http://www.ixda.org/guidelines
> > List Help .................. http://www.ixda.org/help
> >
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help
>

27 Jun 2008 - 11:43am
Peyush Agarwal
2007

Chase as well as Countrywide for me. Basically they both are fast, easy to browse, and have the right content.

-Peyush

-----Original Message-----
From: discuss-bounces at lists.interactiondesigners.com [mailto:discuss-bounces at lists.interactiondesigners.com] On Behalf Of christine chastain
Sent: Friday, June 27, 2008 10:31 AM
To: Jeff White
Cc: IXDA list
Subject: Re: [IxDA Discuss] Great Online Banking Experiences?

I think Wachovia is also pretty good and is one of the few banks that has
done a good job bridging brick and mortar with the online world.

On Fri, Jun 27, 2008 at 8:43 AM, Jeff White <jwhite31 at gmail.com> wrote:

> For me, Bank of America completely rocks. I've used their online banking
> for
> more than 5 years now, and have always loved it. Having lived in Charlotte,
> NC (BOA headquarters) in the past, I got to see their new ATM designs,
> which
> are a good example of Interaction Design at the overall experience/service
> design level - the combination of the new ATMs + online banking was really
> well executed IMO.
>
> I believe they won some awards for online banking experience several years
> ago.
>
> Jeff
>
> On Fri, Jun 27, 2008 at 8:04 AM, J. Ambrose Little <
> ambrose at aspalliance.com>
> wrote:
>
> > Are there any stellar online banking experiences out there that you know
> > of?
> >
> > --Ambrose
> > ________________________________________________________________
> > Welcome to the Interaction Design Association (IxDA)!
> > To post to this list ....... discuss at ixda.org
> > Unsubscribe ................ http://www.ixda.org/unsubscribe
> > List Guidelines ............ http://www.ixda.org/guidelines
> > List Help .................. http://www.ixda.org/help
> >
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help
>
________________________________________________________________
Welcome to the Interaction Design Association (IxDA)!
To post to this list ....... discuss at ixda.org
Unsubscribe ................ http://www.ixda.org/unsubscribe
List Guidelines ............ http://www.ixda.org/guidelines
List Help .................. http://www.ixda.org/help

27 Jun 2008 - 3:24pm
Bryan J Busch
2006

WaMu does everything I want it to, as well.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Posted from the new ixda.org
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27 Jun 2008 - 5:04pm
.pauric
2006

Hands down best banking experience I've ever had is Smile.co.uk
http://www.smile.co.uk/images/flash/smiledemo/

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Posted from the new ixda.org
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27 Jun 2008 - 3:29pm
Jeremy White
2008

Yes, Chase is pretty good. As soon as I log in, all my accounts are
neatly listed. It's sometimes all I need to do. Plus, their variety
of email and SMS alerts are very useful.

Even more, I love ING Direct. Clean and simple. Putting your PIN in
is nice. Click the numbers or type the letters randomly associated
with the numbers (so someone will have a harder time seeing you type
your PIN).

Speaking of Chase, I love their ATMs. No need to go to any menus, as
it remembers my preferred amount to withdraw. I just type in my PIN
and push quick cash. I just hate waiting for it to spit out my card.
My local bank's ATM has finger print scanning, so I don't even need
my card. If Chase had that, it would be fantastic.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Posted from the new ixda.org
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27 Jun 2008 - 8:21pm
usabilitymedic
2008

I was both a Chase and BOA customer and wound up closing my accounts
at chase primarily because of BOA better online experience. i
thought chase's experience (while improved from older version) was lousy

have also had limited exposure to countrywide but remember being
satisfied with it

On Jun 27, 2008, at 3:04 PM, pauric wrote:

Hands down best banking experience I've ever had is Smile.co.uk
http://www.smile.co.uk/images/flash/smiledemo/

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Posted from the new ixda.org
http://www.ixda.org/discuss?post=30833

________________________________________________________________
Welcome to the Interaction Design Association (IxDA)!
To post to this list ....... discuss at ixda.org
Unsubscribe ................ http://www.ixda.org/unsubscribe
List Guidelines ............ http://www.ixda.org/guidelines
List Help .................. http://www.ixda.org/help

27 Jun 2008 - 12:02pm
Neil Goldberg
2008

To chart a low point in the experience of online banking check out the
Irish bank AIB (aib.ie). For starters, you can only complete a
transaction online during normal banking hours. And it goes downhill
from there.

Neil

On Jun 27, 2008, at 9:30 AM, christine chastain wrote:

> I think Wachovia is also pretty good and is one of the few banks
> that has
> done a good job bridging brick and mortar with the online world.
>
> On Fri, Jun 27, 2008 at 8:43 AM, Jeff White <jwhite31 at gmail.com>
> wrote:
>
>> For me, Bank of America completely rocks. I've used their online
>> banking
>> for
>> more than 5 years now, and have always loved it. Having lived in
>> Charlotte,
>> NC (BOA headquarters) in the past, I got to see their new ATM
>> designs,
>> which
>> are a good example of Interaction Design at the overall experience/
>> service
>> design level - the combination of the new ATMs + online banking was
>> really
>> well executed IMO.
>>
>> I believe they won some awards for online banking experience
>> several years
>> ago.
>>
>> Jeff
>>
>> On Fri, Jun 27, 2008 at 8:04 AM, J. Ambrose Little <
>> ambrose at aspalliance.com>
>> wrote:
>>
>>> Are there any stellar online banking experiences out there that
>>> you know
>>> of?
>>>
>>> --Ambrose
>>> ________________________________________________________________
>>> Welcome to the Interaction Design Association (IxDA)!
>>> To post to this list ....... discuss at ixda.org
>>> Unsubscribe ................ http://www.ixda.org/unsubscribe
>>> List Guidelines ............ http://www.ixda.org/guidelines
>>> List Help .................. http://www.ixda.org/help
>>>
>> ________________________________________________________________
>> Welcome to the Interaction Design Association (IxDA)!
>> To post to this list ....... discuss at ixda.org
>> Unsubscribe ................ http://www.ixda.org/unsubscribe
>> List Guidelines ............ http://www.ixda.org/guidelines
>> List Help .................. http://www.ixda.org/help
>>
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help

29 Jun 2008 - 9:45am
Jens Meiert
2004

> Are there any stellar online banking experiences out there that you know of?

Germany's Postbank, <https://banking.postbank.de/>. Not necessarily
"stellar" but still quite good (usable and accessible).

--
Jens Meiert
http://meiert.com/en/

29 Jun 2008 - 4:21pm
Susan Dybbs
2006

Mint.com has excellent budgeting and financial planning tools. The
site make money management a pleasure: nice aesthetics and
interactions combined with useful features.

-Susan

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Posted from the new ixda.org
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30 Jun 2008 - 12:14am
Anonymous

There's a relatively unknown New Zealand-based site called xero.com that's
pretty good from an overall UI design and usability sense. It's not a bank
site per se, but an online accounting site that uses the customer's
transaction information through bank feeds. Their online demo is pretty good
too, and you can setup a demo company for free to check out the site.

In terms of overall online banking experience, Bank of America, Wells Fargo,
ING Direct, Citibank, Washington Mutual and HSBC typically rank the highest.
But each bank has it's strength, so it depends what feature or criteria
you're looking at.

--
Ehab Bandar
www.bankingunwired.com
www.visual-q.net

On Sun, Jun 29, 2008 at 2:21 PM, Susan Dybbs <sdybbs at gmail.com> wrote:

> Mint.com has excellent budgeting and financial planning tools. The
> site make money management a pleasure: nice aesthetics and
> interactions combined with useful features.
>
> -Susan
>
>
> . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
> Posted from the new ixda.org
> http://www.ixda.org/discuss?post=30833
>
>
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help
>

29 Jun 2008 - 4:56pm
Sharon Greenfield5
2008

What's the security on that? Probably not FDIC insured.....something
else instead?

On Jun 29, 2008, at 2:21 PM, Susan Dybbs wrote:

> Mint.com has excellent budgeting and financial planning tools. The
> site make money management a pleasure: nice aesthetics and
> interactions combined with useful features.
>
> -Susan
>
>
> . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
> Posted from the new ixda.org
> http://www.ixda.org/discuss?post=30833
>
>
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help

29 Jun 2008 - 3:09am
yunustunak
2008

Garanti Bank of Turkey as an absolute answer for your question. You can do
any operation you can think of. And its the easiest online banking
experience selected by user comments.

Its winning European online banking award for last 5 or 6 years too.

You can enter the demo version from the top right corner
http://www.garantibank.com/index.html (English)

But this one is for Expats in Turkey so operations are minimized.

Best regards,
Yunus Tunak
-----------------------------------
spacesheep interactive
Istanbul, Turkey

30 Jun 2008 - 8:58am
Steve Schang
2008

For personal banking USAA does a great job (usaa.com). As a bank that
serves the military community and their families they only have one
branch in San Antonio, TX. Everything else is done online, over the
phone, and by mail. Since this has been their business model from day
one they have a very capable online banking platform. Because all the
banking is done remotely they help out by refunding all ATM charges,
allowing free online transfers from/to USAA and any other US bank,
free bill pay, and you can deposit checks online using your personal
scanner (and the deposits are credited immediately to your account -
no 2-3 day holds). Recently they launched mobile.usaa.com and it is
one of the most simple and easy to use mobile implementations I have
seen.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Posted from the new ixda.org
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30 Jun 2008 - 9:02am
Bob Sampson
2008

I just wish all online banks had the features of mint.com does. Being
able to break down spending and bills into nice pie charts and such.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Posted from the new ixda.org
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30 Jun 2008 - 12:31pm
Anonymous

I want what buxfer.com and similar services offer. But in my online
bank experience - hooked up to my accounts.
Sadly, this is not available in Sweden where I'm from..

Any banks offer this where you live? Demos?

Johan

On Jun 30, 2008, at 7:14 AM, Ehab Bandar wrote:

> There's a relatively unknown New Zealand-based site called xero.com
> that's
> pretty good from an overall UI design and usability sense. It's not
> a bank
> site per se, but an online accounting site that uses the customer's
> transaction information through bank feeds. Their online demo is
> pretty good
> too, and you can setup a demo company for free to check out the site.
>
> In terms of overall online banking experience, Bank of America,
> Wells Fargo,
> ING Direct, Citibank, Washington Mutual and HSBC typically rank the
> highest.
> But each bank has it's strength, so it depends what feature or
> criteria
> you're looking at.
>
> --
> Ehab Bandar
> www.bankingunwired.com
> www.visual-q.net
>
>
>
>
> On Sun, Jun 29, 2008 at 2:21 PM, Susan Dybbs <sdybbs at gmail.com> wrote:
>
>> Mint.com has excellent budgeting and financial planning tools. The
>> site make money management a pleasure: nice aesthetics and
>> interactions combined with useful features.
>>
>> -Susan
>>
>>
>> . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
>> Posted from the new ixda.org
>> http://www.ixda.org/discuss?post=30833
>>
>>
>> ________________________________________________________________
>> Welcome to the Interaction Design Association (IxDA)!
>> To post to this list ....... discuss at ixda.org
>> Unsubscribe ................ http://www.ixda.org/unsubscribe
>> List Guidelines ............ http://www.ixda.org/guidelines
>> List Help .................. http://www.ixda.org/help
>>
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help
>

30 Jun 2008 - 1:36pm
Elena Melendy
2008

Mint's visual design is spectacular, but they have the gall to pitch
unsolicited credit card offers as a benefit to the consumer. I'm sure
that's helpful to some users, but it's mostly helpful to Mint. (Clever
business model, though, even if it irritates me.)

I switched from Commerce to Bank of America before Mint launched
specifically because of its online capabilities. (It allows me to
monitor all of my accounts, create pie charts and use budget
forecasting, etc.)

BofA's "Porftolio" features are imperfect: they could be far more
customizable. But if it comes to a choice between Mint's pretty charts
and BofA's top-notch security and privacy, I'll stick with the
corporate site. Maybe I'm getting more conservative as I get older?

Elena

On Mon, Jun 30, 2008 at 10:02 AM, Bob Sampson <bobsampson at hotmail.com> wrote:
> I just wish all online banks had the features of mint.com does. Being
> able to break down spending and bills into nice pie charts and such.

--
"To understand is to perceive patterns." —Isaiah Berlin

30 Jun 2008 - 11:26am
Eric Swenson
2008

If you want any quantitative and/or qualitative research findings on
the subject of your question, you might want to consider looking at
some of the usability research Change Sciences has done: www.changesciences.com
. They specialize in studying usability issues for e-commerce and
financial institutions. I've worked with them before. Highly
recommended.

My personal take is that they (online banking portals) are all
crippled and represent a wealth of opportunity for IA/UX specialists,
despite the advances made in recent years. Interoperability with
external apps (Quicken, QuickBooks Pro, etc.) is a big factor for me
and I have yet to find a banking site that does that well. (Granted,
there are issues on the app side, too).

And, uhm, hey, y'all: remember to rotate your online banking passwords
every month.

-- Eric Swenson
++++++++++++++++++++++++++
: eric swenson
: swensonia inc
: eswenson at swensonia.com
: office: 631-486-6606 fax: 631-410-1936
: mobile: 917-656-1644
: aim/iChat: swensonia

On Jun 27, 2008, at 11:04 AM, J. Ambrose Little wrote:

> Are there any stellar online banking experiences out there that you
> know of?
>
> --Ambrose
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help

30 Jun 2008 - 4:41pm
Jai Godara
2008

So far for me, BoA is the one with effective and comfortable interface
for my needs. I also found Wells Fargo quite good. Nonetheless, both
of these inflict some pain when they try to cram too much of info on
a given page without using visual weights creatively.

Wachovia (esp. their credit card site) is the worst in terms of
online experience. A perfect example of losing customers because no
one cared for the crappy experiences that people have interacting
with them. Sadly, this is despite the fact that wachovia seem to
provide better products compared to their rivals.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Posted from the new ixda.org
http://www.ixda.org/discuss?post=30833

30 Jun 2008 - 11:37pm
Ripul Kumar
2005

Change Sciences usability reports on Online Banking are quantitative,
comprehensive, and beautifully narrated. They compare every top online
bank in the US. An absolute must for anyone creating online banking
experiences.

http://www.changesciences.com

--
Ripul Kumar
Director, Usability Consulting & User Research
Kern Communications Pvt. Ltd.
http://www.kern-comm.com

* Usability in India *

17 May 2010 - 11:44am
John Gibbard
2008

EMC Conchango did a nice job on Barclaycard's mybarclaycard service. It uses Mint-like ex post facto categorisation of your spending and uses nice visualisations like an iTunes style capacity/credit bar.

Demo available here > http://www.barclaycard.co.uk/mybarclaycard/

Barclays retail online bank also have an improved UI developed by EMC Conchango which uses a task-led approach to assist users in making transfers, payments and so-on.

I have also seen some nice interface work on PNC's Virtual Wallet in the US.

20 Jan 2011 - 9:47pm
AK
2010

PNC Virtual Wallet. It helped my financially-challenged friends see their money and improve their spending habits. The interface made it look like a game where you want to maximize savings. 

As an interacton designer I don't think it's steller, but I'm not the target audience :)

27 May 2011 - 12:10am
DonnaG
2010

I love Bank of America's online services. But nowadays, it's hard to convince the average United States taxpayer that banks that are “too big to fail” are entitled to their trust. According to Bankrate, the signs are simple to see. “Do you trust your bank?” posed a recent bank sentiment polls by consulting firm BAI & Finacle. Not remarkably, recession-stung customers responded largely in the negative. Bankers surveyed in the same poll seemed oblivious to the truth, as they trusted that consumers trust them. Here's a proof: Consumers trust banks a great deal less than bankers think they do, personalmoneystore.com/moneyblog

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