Bank Online Interface Overview

For just about anything you want to get off your chest about credit cards.
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agp
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Bank Online Interface Overview

Postby agp » Tue Jul 03, 2012 1:14 pm

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.

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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.

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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.

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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.

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Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred


Ratfacedudeguy
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Postby Ratfacedudeguy » Tue Jul 03, 2012 2:56 pm

Nice summary. A bank's website layout is also very important to me as well. That's actually the key reason why I didn't mind getting denied for the Fort Knox FCU Visa -- from what I could see, their website made the Barclay's site look like the Jetsons! I ought to do one of these reviews for the Discover site. I'm a big fan of their layout as well.

I should also add that the simple elegance of the Amex site ends once you add multiple accounts to your profile. I understand they're getting ready to update it pretty soon so that the page will appear like the single account one (the one you posted) does currently. It's not too big of a deal but I was kind of turned off when I linked my Zync account yesterday.

P.S. Nice credit line on that BCE ;)
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

MemberSince99
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Postby MemberSince99 » Tue Jul 03, 2012 3:02 pm

To be honest I thought Amex was fine even with multiple accounts. I didn't have any problem with it as you could pay on all 3 accounts at once, and see them all at the same time. I guess we all see things through our own point of view. I didn't find it difficult.

With Discover, normally a great bank and a wonderful interface, you currently must have multiple logins for multiple accounts. Thus with 2 of their cards I have 2 logins and can only view/work on one at a time (unless I open 2 broswers or tabs of course but I'll still have to log in twice with different logins). I am told they are working on linking accounts.

jeffysdad
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Postby jeffysdad » Tue Jul 03, 2012 3:29 pm

I like Discover's website, although I have to use a different one to access my Discover Savings account. It would be nice if they were integrated. I would love to see an expanded version of their spend analyzer that allows users to switch purchases to different categories (in other words, override the assignment made by the pos device programming). It would be great if one could run reports from the spend analyzer, too. Enhanced functionality here could be a real selling point for Discover to those who want to manage their spending more carefully.

Chase is great. I bank there so I get a single page view of my checking summary as well as summaries for all of my five Chase cards. I can hide the ones I'm not using to make things simpler. Great functionality on the Chase site and although some things could be clearer, there is little to no confusion after only a short time using.

FIA Card Services is great, although it doesn't offer nearly the functionality of Chase. I like it because it's clean and simple. It's the old MBNA website design, btw. I don't think it's been changed in years, since well before BofA acquired the MBNA card business and turned it into FIA.

All of the above display perfectly in my Firefox browser. American Express does not. This is really annoying. Additionally, I think there are too many promotional messages on the Amex site. I just want to see my account information; I don't want to know about other Amex products and services. I know where to find that information if I want it.

I never use my CapitalOne card, but I find their site to be not that awful, contrary to what one might expect given their reputation. One thing that is ridiculous, though, is when you close an account with them, it remains on your accounts home page, showing as "closed," indefinitely. Customer service reps can't even remove the old accounts. That's stupid.

I'm hoping I like the US Bank website because I'm looking forward to using their new Cash+ card for a large portion of my spending.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

MemberSince99
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Postby MemberSince99 » Tue Jul 03, 2012 4:36 pm

Yeah the Cap One site is not as bad as you might expect given it's Cap One. One thing I'd LOVE to see there is they put a monkey button on it allowing you to request a CLI, and the amount you would like. Of course it will automatically decline all requests saying we are sorry we are not taking customer initiated CLIs at this time but depending on how much you put in the box you get back a message like for 500 it would suggest you open a new card for "fair" credit, for 2000 it would suggest the Platinum or Cash Rewards, for 10000 it would suggest the Venture, and for more than that it would say you do realize Capital One is a CONSERVATIVE lender don't you, so is this some kind of a joke? You will see peace on earth before you get a card with that limit from us.

jeffysdad
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Postby jeffysdad » Tue Jul 03, 2012 4:54 pm

Not to divert the thread, but CapOne apparently wants to punish you if you spurn them and then return. According to the website, to which I just returned after months away, my old Visa Platinum (closed at my instruction) had a credit limit of $20k. The now-closed Sony Visa that I opened more recently had a limit of $10k. My currently active No Hassle Rewards MasterCard, which I opened most recently, has a credit limit of $7,500.

I'm not complaining; however, since the first card my financial situation has improved, if anything. I think they should give me $20k. Not that I would use it; I just want it.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

MemberSince99
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Postby MemberSince99 » Tue Jul 03, 2012 4:59 pm

Wow. I'm amazed to hear they give cards with limits that high. Most I ever had from them was 3k and I thought that was amazing at the time.

I don't think they are likely to give those kind of limits these days honestly.

hematino
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Postby hematino » Wed Jul 04, 2012 1:25 am

MemberSince99 wrote:Yeah the Cap One site is not as bad as you might expect given it's Cap One. One thing I'd LOVE to see there is they put a monkey button on it allowing you to request a CLI, and the amount you would like. Of course it will automatically decline all requests saying we are sorry we are not taking customer initiated CLIs at this time but depending on how much you put in the box you get back a message like for 500 it would suggest you open a new card for "fair" credit, for 2000 it would suggest the Platinum or Cash Rewards, for 10000 it would suggest the Venture, and for more than that it would say you do realize Capital One is a CONSERVATIVE lender don't you, so is this some kind of a joke? You will see peace on earth before you get a card with that limit from us.


HAHA almost peed my pants laughing at this!
Now she's eyeless.
The snakes she held once
Eat up her hands.

agp
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Postby agp » Fri Jul 06, 2012 3:47 pm

Barclays is updating its interface.
Barclaycard Media Player

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred



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