Here are some value-added online banking ideas for checking accounts & bill payment.

Web-based services:

• build your own checking (or package) account
• set maximum number of checks/bill pay requests allowed per day, week, month
• set maximum dollar value of checks/bill pay requests allowed per day, week, month
• set maximum check/bill pay amount
• set merchant names/types authorized for bill payment or ACH debit
• preauthorize exceptions to above parameters
• sign-up/modify automatic check-printing service: delivers new checks automatically after x% of most recent order are depleted (user defines ‘x’)
• bill payment/presentment (even if only to one merchant or to your own loan accounts)
• statement generator: develops custom statement from check-box entry
• transaction search engine with saved searches: allows users to search for a certain check number or transaction type; searches can be saved for future visits (e.g. all ATM withdrawals since last statement)
• triggered alerts greet user when logging onto bank’s Web (e.g. balance less than $1,000)
• payment analysis: which payments could be set up on an automatic average payment schedule

E-mail/push services:

• deposit confirmation: e-mail message whenever a deposit has been credited
• balance notification service: e-mail, fax, or voice message whenever deposit levels go above or below preset limits
• OD/NSF notifications via e-mail, fax, or voice message
• overdraft protection notices when credit line reaches x percent of limit (user defines x)
• statements (hourly, daily, weekly, monthly, quarterly, annually) delivered via e-mail, fax, voice message, voice mailbox, Web page, or PFM/OFX-compatible file
• notification when a bill is due for payment
• notification when a new bill has been presented
• notification when a bill authorized for payment has not cleared within x days (user defines ‘x’)
• notification of new electronic merchants
• notification of “special offers” from merchants on the user’s payee list
• notification when printed check supply appears to be running low
• ACH pre-note notification
• confirmations of all bill payment requests received
• confirmation of new merchants added and/or payments made to new merchants