Here are some online banking ideas for improving your loan and credit offerings:

Web-based services:

• establish desired loan repayment schedule (within minimum payment parameters)
• statement generator/transaction sorter: develops custom statements from check-box entry (by merchant, merchant type, date, geographic location, and comparisons with previous periods)
• transaction search engine with saved searches: allows users to search for a certain credit card charges; searches can be saved for future visits (e.g. all restaurant charges YTD)
• triggered alerts greet user when logging onto bank’s Web (e.g. remaining credit line is less than $1,000)
• set credit limits on individual business cards (within maximum allowed credit)
• set credit limit on personal card (within maximum allowed credit)
• sign up for credit bureau monitoring services
• interactive loan applications (a.k.a. Smart Applications) that remember previously input data and your loan preferences
• credit line increase (temporary or permanent) applications that prefill with existing data
• application for skip payment, temporary payment reduction, or reamoritization
• access online copy of 1098 form
• interest rate analysis that compares users actual current loan balances and payments with alternatives, both before and after-tax
• credit insurance review
• balance transfer form
• cash advance/funds transfer form
• bill payment form (drawn against loan)

E-mail/push services:

• notification when interest rates drop to the point where refinancing may be cost effective
• notification when interest rates reach target levels
• loan payment confirmations
• payment due notices (with or without the ability to authorize payment with a reply to the message)
• late payment notices
• change-of-terms notice
• notification of skip-pay authorization
• notification of credit limit increase/decrease
• special rate offers for balance transfers
• notification of pending/actual overlimit situations
• joint promotions with preapproved “extra” credit (e.g. buy an ACE Computer and up to $2,000 in additional credit will be added to your credit line)
• triggered alerts based on preset limits on transaction activity, transaction type, daily/weekly/monthly cumulative totals, activity on other cards tied to the account, cash advance activity, remaining credit capacity, etc.
• notification of every transaction posted
• credit bureau monitoring services with prescheduled delivery of full credit reports
• credit bureau monitoring with triggered alerts based on new negative information, credit inquiries, limit on overall credit used, addition of new credit, etc.