If you are a meticulous person like me, you would probably care a lot about a bank’s online interface. Everything from ease of access, user-friendliness, to visual aesthetics are all important. Therefore I decided to make a thread to help new comers so they know what each bank’s (at least the ones that I bank with) online banking interface looks like.Chase
We start with Chase, my favorite financial institution. It is not my favorite not because its credit rewards are better than other banks, although the rewards are great; it is my favorite because the high level of attentiveness from my Chase/JPMorgan banker is unmatched. Here is what the online interface look like.
You have all your accounts and credit card listed on one page. Starting with your checking/savings, then credit cards listed in the order that they were opened. The website is easy to navigate if you know what you want to do, otherwise it might get a little confusing. Despite this, you will learn the in and outs of the website before you know it. Chase also does not let you pay your credit card bill more than once in a 3 day period.
My one beef with Chase is its Blueprint “Full Pay” service. Blueprint, for those who do not know, categorizes each credit card purchase into some number of preset categories, e.g., grocery, gas station, movie theater, etc. What Chase does not tell you is that “Full Pay” does not pay your monthly balance in full - it only pays in full all the purchases that fall into the predefined categories. There are purchases that do not fall into ANY of the predefined categories, and that’s when interest kicks in and your credit score falls.American Express
Simple, elegant, easy to understand. Every bank’s online interface should aim to be like Amex’s. Automatic recurring payment is easy to set up, whereas it is impossible on Chase (literally impossible for some cards). Monthly balance, is shown, and recent charges are shown on the bottom of the page, without having to click on anything.Pentagon Federal Credit Union
Simple like American Express. It does show the account that you are required to open and deposit $5 (which can be drawn out from another credit card) on top. Accounts can be nicknamed if you do not like the names PenFed gives its cards. Payments are straight forward. This being Penfed, don’t be surprised by the large number of links for personal/auto/motorcycle/RV/boat/student/home/condo/small-biz/large-biz/misc loans all over the website.Barclays
Not as complicated to navigate around as the other banks’ websites, but nowhere near as nice looking either. You can be a cave man and still not look as primitive as the website. I had set up balance transfer, and somehow the request stayed pending for 2 weeks – no balance was transferred and I could not cancel the request. CSR confirmed that balance transfers cannot be canceled unless you contact CSR - the first and only useful information Barclays CSR ever provided.
Also note that “My Rewards” is not your Dividend Miles earned as a bonus. Your Dividend Miles bonus gets posted to your account (and UA DM account, if you have it connected to the CC) roughly 60 days after completing the sign-up bonus requirements.