In its latest quarterly financial results (here), Bank of America said it signed up 224,000 new users during the quarter to bring it active mobile banking base to 840,000. Assuming the 75,000/mo pace continues through second quarter, the bank should be over 900,000 now and will surpass 1 million in the next few weeks.

Although it's a nice milestone, it's only 4% of the bank's 23+million active online banking users (here). Given that mobile is pushed frequently in the bank's online banking area, one could argue that 4% adoption is pretty anemic. But according to M:Metrics, less than 14% of U.S. mobile phone users accessed info via the mobile web in February. So 4% of a 14% universe is much more impressive, indicating the bank has tapped almost 1/3 of the short-term potential for mobile web-based services...a good start.

To really goose adoption, text-based solutions may need more emphasis (see Chase screenshot below). According to M:Metrics, U.S. text users outnumbered mobile web users almost 4 to 1 in February, 110 million to 30 million.

Industry Forecast Update
These adoption rates are about what we expected. In the forecast published a year ago in our Online Banking Report on Mobile Banking, we were relatively bearish short term, projecting 900,000 mobile users by year-end 2007 growing to 2.5 million by the end of 2008.

With BofA reporting 840,000 and assuming they have about half of all users, the U.S. market has likely already passed the 1.5 million mark and will end the year at more than 3 million.

The adoption rate depends on how hard banks push mobile options. Along with BofA, Chase has been one of the most aggressive, showing mobile use in its advertising for several years now (previous coverage here). I love its "Text your account. It texts you back." Just seven words conveying more than most 3-minute demos.

Two months ago we published a table (here) showing active users at the leading online personal finance startups. Below is the table, updated with March traffic and the addition of one more player: Bank of America.

The bank, which offers a full-featured online personal finance management solution called My Portfolio, powered by Yodlee, has 2.5 million active users, according to BofA exec Marina Moore (note 3). That's an impressive 10% of the bank's online user base, and about 6x the total user base of all the online startups combined (note 4). 

For more information:

• Online Banking Report (131/132): Personal Finance Features for Online Banking
• Online Banking Report (142/143): Social Personal Finance
• Our FinovateStartup Conference April 29 in San Francisco, where Buxfer, Expensr, Jwaala, Mint, and Wesabe will present the latest in online personal finance features

Notes/Sources:

1. Users: per BusinessWeek Online, Feb 2008, figures are reported by the companies and may include inactive users; Mint has been updated to 180,000 from 130,00 based on new figures reported in the Bank Technology News article published in April 2008

2. Traffic: per Compete estimates of website traffic for March 2008, retrieved April 21, 2008. Compete estimates traffic from its online data and can be off by a factor of two or three-fold for smaller websites.

3. As reported in a Bank Technology News article published in April 2008.

4. This table does not reflect all the players, such as Intuit's new Quicken Online, just the ones highlighted in the BusinessWeek article.

As I was holding my family's place in a long line over the holidays (note 1), I took the opportunity to look at the 20 largest U.S. retail banks through my iPhone. They are all passable as long as you are willing to take the time to zoom in and navigate with your finger on the touchscreen. 

The best-looking sites are those with relatively simple hompage designs, notably ING Direct and HSBC and to a lesser extent Wells Fargo. But the hands-down winner is Bank of America, the only top-20 U.S. bank with an iPhone-optimized homepage.

This provides BofA with several short-term advantages:

• Bragging rights as the first major bank to design for the iPhone
• A spot on Apple's directory of Web apps for iPhone (here) (screenshot below)  
• Several mentions in tech and personal finance blogs
• An entree to the 1.4 million, decidedly upscale, iPhone users

Note:

1. Survey of 20 largest U.S retail banks, by deposit size, made at 4 PM on Dec. 24 from Seattle IP address through iPhone browser on AT&T Edge network.

The world's largest online banking base (note 1) grew an impressive 11% year-over-year, rising to 22.8 million active users, an increase of 2.2 million from 30 Sep 2006 (note 2). 

Bill payment grew slower, up 7% or 800,000 users, ending the period at 11.6 million active users. Overall bill pay volume is $224 billion annually, or $1,600 per user per month. Bill pay as a percent of online banking fell more than one point to just under 51% (note 3).  

Online Banking     Bill Pay     % of OL using Bill Pay

2007        22.8 mil            11.6 mil              50.8%

2006        20.6 mil            10.8 mil              52.4%

Change    +2.2 mil            +800,000            (1.6%)
                +10.7%               +7.4%

Notes:
1. As far as we know, no bank in the world has more active online users; however, one could argue that PayPal, with 37.5 million active users in the latest quarter, is larger. Interestingly, ING Direct is closing in on BofA on a worldwide basis. With its Sharebuilder acquisition, ING Direct has 20 million accounts worldwide, about 30% in the United States, although not all are active, which BofA defines as being online within the past 90 days.

2. According to Doug Brown, Bank of America's SVP Product Innovation E-Commerce Channel Services, as cited during his BAI Retail Delivery presentation.

For some time, Bank of America has been offering its credit card customers a cash bonus for opening a new checking account. Today, with $75 dangled in front of me, I decided to take advantage of the offer and went ahead and opened up a free MyAccess Checking account online. Below is a screenshot of the main credit card page with the offer strategically placed in the upper-left quadrant.   

While the online account opening process was relatively smooth, there are a number of things the bank could do better, starting with pre-filling the application with my personal info. Even though I have two Bank of America credit cards and I responded to the offer from within the secure online banking environment, I still had to start the application from scratch.

And taking a queue from online retailers such as Dell, the bank drops a number of cross sells into the application process.  I'll have a full analysis of the account opening process in our upcoming Online Banking Report on online account opening to be published in first quarter. 

In the past 10 years, we've seen dozens of bank-powered sites targeting small businesses. Citibank ran one for a few years called Bizzed. Back then, they were called "portals." Now, they are "social networks." But the purpose remains the same: Create a destination site for business owners to learn how to run their business better while reinforcing the bank brand as small business savvy.

In general, it's a good idea. But it's extremely difficult to get traction with small business owners who usually lack the time and/or interest to read extensively about how to run their business (note 1).

Bank of America's effort, Small Business Online Community, tries to get around the attention problem by creating forums where specific questions and answers can be posted (press release here). Again, not a new concept, but probably the best way to get something like this off the ground.

Analysis
I registered (see note 2) and spent a few minutes poking around the site. In addition to the forum, the site includes columns by business experts and reader-submitted stories. It will be interesting to see if the so-called user-generated content in the latter category is all self-serving promotions from the small business participants, or meaningful perspectives that allow conversations to begin.

The well-designed site, with Web 2.0 touches, is off to a good start from a registration standpoint. This morning alone (as of noon Eastern time), 300 new members had signed up. They may all be bankers in disguise, but it's still far more than I would have expected.

Other than the small "powered by" link in the upper right corner, the site doesn't appear to have any direct involvement from the bank. Frankly, I'd like to see bank officers weighing in on the financial topics, as long as they take a consultative approach and disclose their affiliation. But I understand the bank's initial restraint.

Note:

1. However, entrepreneurs in the research phase, what is sometimes called "pre startup," often devour reams of material. And since they are often highly interested in financing opportunities, a bank-sponsored site could gain their attention.  

2. A couple nitpicks:

• Usernames are case sensitive; a twist that tripped me up when trying to log in the first time. The bank should remove that stipulation, especially in a less security-sensitive application such as this.
• Lots of the material is available as RSS feeds, but other than the little orange icon, it's not very obvious how to subscribe via RSS or email. 

As I have written before on my blog, Mobile Banking, all financial institutions benefit when the large U.S. banks begin promoting the channel; what follows is another perfect example.

Here is a well-designed, interactive demo from Bank of America. The bank did an outstanding job illustrating various situations where mobile banking can save time.

The demo covers the critical topics including:

• View Balances
• Pay Bills
• Transfer Funds
• Find Locations
• Security
• Get Started

In addition, the demo effectively incorporates a good cross section of target users:

• Jeanie – young, on a budget, needs to view her balance before a shoe purchase
• Jim – a white collar professional, traveling on business, needs to pay a bill
• Samantha – a busy mother of two, needs to transfer money to cover a bill
• Jake – a traveling student, is out of money and needs to find a branch

If you recently either have launched a mobile solution, or are preparing to do so, I highly recommend that you develop an interactive demo. It will help facilitate client adoption and reduce costly inquires to your already-busy call centers.

If you were in the office yesterday, you probably heard about Bank of America's announcement of SafePass, an optional out-of-band authorization technique for high-risk online banking transactions. It was all over the news, including the trades, blogs, and a few mainstream press articles. Here's the press release.

The system, common in many countries, but available only at Citibank in the United States (previous coverage here), sends users a 6-digit code via text message. The code is then entered at BofA's website to authorize larger transfers, new bill-pay merchants, new accounts for funds transfer, or to login from a new computer, not previously "registered" for online banking. VeriSign developed the technology.

The service will roll out across the BofA empire this year, with many customers having it as soon as next week. Next year, a wallet-card token "SafePass card" will be offered for customers who don't have text-messaging capabilities on their phones.

Analysis
SafePass is a solid enhancement to security, at least perceived security, since it probably won't do much to cut down on actual fraud losses. It's already pretty difficult to get through BofA's security gates and pull money out of someone's online account. The bank did the right thing in making it optional. Only the paranoiacs, road warriors, or those with unusually high transaction amounts will want to undergo the extra steps.   

So while it may be ho-hum in terms of fraud reductions, SafePass is brilliant marketing (note 1). It's a tangible and easily understood copy-point as to why one should choose BofA over the other 15,000 U.S. financial institutions. Think of the bragging rights they now have (all firsts are U.S. only):

• First to integrate mobile messaging into the authentication process
• First to offer optional extra security
• First to safeguard the process of adding a new bill payment payee
• Potentially first to offer choice of token or mobile text message for out-of-channel authorization
• Only bank able to put "SafePass" on their website—a very good name
• Able to say, "no one has more security options than us"
• Able to say they are a "pioneer in security enhancements"
• Able to they "put the customer in charge of their own extra security"
• And so on ...

Congratulations to Bank of America for once again raising the bar in online security.

Rant
While I like what the bank has done, once again I find it astonishing that even 48 hours after releasing the news in a press release here, THERE IS NOTHING ON THE BofA WEBSITE ABOUT IT. A site search for "SafePass" pretending to be from North Carolina, New York, or California results yields just a single obscure business insurance product. Bank of America's search doesn't even return the press release announcing the service!

SafePass is also not mentioned in the bank's security, online banking, or mobile banking sections. I've worked in a Fortune 50 company, so I understand all too well how hard it is to sync advertising, PR, sales, and so on at a huge company. But with 22 million active online banking users, you'd think BofA would be a leader in syncing its website to its marketing plan. 

Am I being overly critical?  It's certainly worth writing about. 

Note:

1. For more information on the synergy between security and marketing efforts, see our full report on the subject at Online Banking Report.

Is there anyone left in America that doesn't have an account at Bank of America? Probably a few, maybe even some of our readers. But if you haven't logged into your account lately, you might have missed the subtle "green marketing" the bank is using to encourage customers to go paperless.

In the screenshot below and closeup above, you can see the little green leaf next to the words "Go Paperless." It's subtle, as good green marketing should be. The leaf not only makes the link stand out, it provides a small reminder that customers can do a little something for the environment, and the bank's bottom line, while they are online.  

Also of interest (by the second arrow), since I only have a credit card, is link cross selling a free "MyAccess Checking Account." 

BofA "account overview" page (23 Aug 2007, Washington state credit-card-only customer)

Finally, the bank doesn't ignore the important logout page, a often-forgotten piece of real estate that can be far more effective than a homepage banner ad. This month, the bank is promoting it's No Fee Mortgage Plus.

BofA logout page (23 Aug 2007, Washington state credit-card-only customer)

Along with 550,000 other followers of Web 2.0 happenings, I'm a regular reader of Michael Arrington's TechCrunch, although it's harder to keep up with these days as the blog has gone from a couple posts per day to seven or eight. Although I usually read it in an RSS reader, I visit the site once per week or so to read comments.

This week for the first time I noticed financial services advertiser Bank of America, a hardly newsworthy occurrence as Bank of America spent $43 million advertising online last year (here). But the content of the banner proved most interesting (screenshot below); here's what the bank's ad says:

A little knowledge is a powerful thing.
Online Banking Service: Check your balances and account activity so you can help prevent fees.

And the blue button on the right says "Know More Now."

The banner leads to a landing page (here) that discusses a number of topics, but opens to a discussion about overdraft-protection options in the middle of the page (screenshot below). It's very interesting to see a large bank take on this controversial issue in its advertising. It's a good sign that the banking industry is taking the criticisms seriously and is working to educate users on how to avoid fees, even if does impact short-term fee income (see my discussion of how mobile alerts can be used to keep users informed, here).

One of the questions that I imagine many companies in virtually every industry is asking themselves is: How can we engage in the social web?

A lot of companies, banks and credit unions among them, see the opportunities that currently exist, but can't find their way in. One of my favourite quotes is from Rob Cottingham of Social Signal. He tells audiences who are looking to start a social web project that "before you look in the monitor, you should look in the mirror". It's fun to start a new project, and often people will start planning a way to leverage a new marketing trend such as social networking before they take a good look at themselves to determine if they have the stomach to open themselves up and take the leap.

Maybe it's not a matter of companies opening themselves up, but understanding where their openness already exists. Every company likely has an area where they are doing the kind of work where they can engage an audience in collaboration. It's a matter of taking the essence of a company's brand and brand positioning and marrying that with their philanthropic activities.

Most companies that are looking to the social web are, I suspect, also looking for ways to further leverage their existing community activities. I wonder how many of them put those two challenges together into the same project. Let's look at one good potential example in the banking sector.

Bank of America

Before we begin, I should disclose that I don't know anyone at Bank of America and what follows is my outsider opinion only – some food for thought.

According to bankofamerica.com, they sum up their brand this way:

Bank of America’s brand positioning, “Bank of Opportunity,” is emblematic of what Bank of America has always strived for throughout its history ― to create opportunities for the individuals, businesses and communities we serve throughout the world.

In March, Bank of America announced a $20 Billion environmental sustainability initiative. This is a major investment into changing their business operations and offering new products and services that have a sustainable focus. And yet their website hardly mentions this information. Doing a search on “climate change” on their website only brings up some press releases, a position paper, a speech and some other links to corporate areas of the site. I'm sure they have plans to bring this more front and centre, but what are some good ways to do that online in a way that's meaningful and gains them effective brand differentiation?

This philanthropic work provides an excellent chance to give up a little control in a focused area where they have a clear desire to become a true leader. Based on the amount of money they're planning on investing, this is obviously going to become a key differentiator for their brand, and I imagine they'll find a way to link this back to their brand positioning: Bank of Opportunity. It's not hard to see how that could work, and work well.

As they put money into their first initiatives, they could utilize the social web to engage community to find out first-hand where their money could make the biggest impact, or where their customers think they ought to invest. They could be harnessing the wisdom of crowds to help them create and develop environmentally friendly financial products and services. This could take the form of a social network, they could leverage Facebook, they could start a wiki or a blog. Eventually, when they have some real data about their climate change activities and impacts, they could release that data as an API so people who are passionate about climate change could take the raw data and create mashups that I can't even begin to imagine (but marrying large scale environmental data with Google maps could start to yield some interesting visual possibilities and show how Bank of America is improving America, perhaps even at the neighbourhood level).

By opening up and letting the chips fall where they may, albeit in a calculated way, BofA gets free advice, they attract the input of leaders in this area and they start educating people on their activities. They could introduce this new corporate activity slowly so people understand why they're doing it (perhaps link the concept that America has to be sustainable in order to be prosperous, and that's why a bank is putting money into this kind of work).

This would also help them win over some needed friends and allies in the environmental movement and encourage dialogue about the challenges we face as a society. There are myriad opportunities for them here, and exciting time to be in the marketing and communications departments, I imagine.

I look forward to seeing how they promote this good work. So far, their first initiative of helping a non-profit purchase an old growth forest with private capital is highly impressive, though definitely under-leveraged on their website. I hope they find a way to surface this work so that people learn about it - I think the social web could be the answer.

Last month, we introduced the Financial Services Monthly Performance scorecard produced by Compete. Here's the second installment, summarizing the overall performance of 23 large U.S. financial institutions and lead-generation sites. For more information, including the detailed methodology and companies tracked, refer to that post (here).

The highlights:

• Financial shopping was down or flat in most categories, especially savings accounts; not surprising given the typical tax-time spike in April.
• The main exception to the trend was checking, which grew a phenomenal 31% in May compared to April. 
• The main drivers of checking account growth: Bank of America's promotion of free MyAccess Checking (see coverage here) and, to a lesser extent, Wachovia, whose Google/MSN marketing caused a major spike in traffic
• But it wasn't all rosy in checking accounts: While BofA was experiencing 25% growth in applications, ING Direct went through a typical post-launch downturn with a 50% decline in application volume
• Credit card conversions were up dramatically, with a 5% increase in application volume despite a 6% drop in shoppers, resulting in a 22% conversion ratio (see note 1) 

Note:

1. Compete revised its card applications show in the previous report. The revised number of card applications:
     March 2007: 1.57 million instead of 1.71 million
     April: 1.70 million instead of 1.88 million with 8% growth instead of 9% 

Bank of America and Chase, two of the three largest U.S. banks, are putting an online spin on free checking offers using online banking, security, and other benefits to encourage applications. On the surface, Bank of America's approach appears much more effective. And with no direct-deposit requirement, it surely generates more new accounts. However, without knowing how the free accounts convert to profitable relationships, it's impossible for an outsider to recommend one approach over another.    

Bank of America
Bank of America's free checking offer (see note 1) is difficult to overlook (screenshot below).  The top-of-the-page banner has animations that showcase the major benefits:

• online banking
• bill payment
• "Keep the Change" debit card savings program
• SiteKey security

The teaser "We're redefining Free Checking" creates interest while the bright blue "open an account" and "special online-only offer" further entice prospect to click through the banner.

The landing page (screenshot below) reiterates the online benefits and features a large laptop to reinforce the high-tech nature of the account. Two additional benefits are added to the list:

• Free debit card with security protections
• Free ATM access at 17,000 BofA machines 

Notes:

1. The free checking banner appeared in a visit to the homepage from a Seattle IP address at 10 AM Pacific time today. It did not appear on afternoon searches from several computers.

2. The bank uses a live chat popup after lingering on the application for a short time (click on image right for closeup).

Chase Bank
Chase's homepage banner uses the "kitchen sink" approach with an image of an ATM machine, debit card, paper checkbook, laptop, and PDA along the top. The mobile phone is a good addition, but the ATM machine and laptop are so small, they aren't easily recognizable in a quick scan (see screenshot below).

Another problem: the paper checkbook, which is centered and slightly larger than the others, seems to get an inordinate amount of attention. I'm not sure that the checkbook or the debit card add much value. U.S. consumers pretty much realize those are included in a checking account.

Chase's landing page leaves a lot to be desired. The benefits are listed in small, gray type that is relatively hard to read. And the only call to action, if you can describe it as one, is the last line in small blue type, with an underlined "apply online." No buttons + no color + no large font + no offer = no interest.  

It's extremely difficult to win the transaction accounts of small businesses. By the time you know of their existence, they already have their bank accounts in place. And most small businesses are too busy to bother switching accounts to save a few bucks a month, or even to get better products or services.  

One way to grab market share is to find businesses when they are in the pre-startup phase, before they've set up banking accounts. In pre-startup, the prospective business owner is in pure research mode, spending little or no cash. To find these businesses, you need to offer online information that startups value and can find at your site, such as new-business planning advice. Then entice the owner to establish bank accounts with a package of services that appeal to a new business owner.

Bank of America is on the right track with its sponsorship of Microsoft's new Startup Center <startupcenter.com>. It's more like a product placement than a "banner ad" sponsorship. The BofA logo is never even seen in the main content area.

However, the bank's content is tightly integrated throughout, especially in the Finances area. For instance, if a business owner wants to "set up a checking account," the links to detailed information such as "compare now," "get a recommendation," and "get a business check card" all link directly to content housed on Bank of America's website (see screenshot below).

MasterCard is also a primary sponsor, but its content is less integrated. The third core sponsor is Startup Nation.

Analysis
It makes sense for Bank of America to be involved in Microsoft's Startup Center, a  beautifully designed tool all decked out in "Web 2.0" colors and graphics. The content seems appropriate and useful for a startup. However, it will be a challenge for the area to gain traction with actual startups, who are unlikely to be looking to Microsoft for assistance, unless they are software developers.

But you don't have to be a mega-bank or mega-software company to provide valuable services to startups. Financial institutions can partner with local professional service firms such as accountants, consultants, and attorneys, to create content for startups such as Webinars, and in-person seminars. A well-priced package of banking services, positioned and priced for startups, will help you grab new business in the startup sector.

Examples of startup products and services at financial institutions:

• CIBC startup area
• Lloyds TSB Business Extra package for startups
• Bank of Montreal business startup package
• Simply Startup Business Checking from First Light Federal Credit Union

For more information, see our Online Banking Report on Small and Microbusiness Online Banking (here). Thanks to Payments News for the link.

Little did I know when I wrote about Verizon Wireless promoting Bank of America billpay on its site (here), that the company that brokered the deal, CheckFree, along with representatives from both consumer giants, would be presenting the results of the effort at Nacha's Payments conference last week (see note 1). I wasn't there, but I was filled in on the details by CheckFree's PR director Sheryl Roehl.

First, my assumption was wrong. It was NOT a paid placement by BofA. No money changed hands. It was classic joint marketing with each company promoting the other on their websites. The exposure to each others' massive customer bases trumps any concern over who benefits most by converting Verizon customers into ebilling users (see note 2).

In the prior post, I showed you BofA's ad on Verizon's site, here's what the Verizon placement looked like on the bank's site (note 3):

Verizon banner in BofA's main online banking area

Landing page for the Verizon promo

Email me if you'd like the presentation slides, which also include more figures about ebilling adoption (note 4).

Notes:

1. The joint presentation was by: Angeline DePauw, director electronic remittance Processing, Verizon Communications; Laurie Profilio Sass, eCommerce marketing, Bank of America; and Lori Stepp, managing executive E-bill Adoption Services, CheckFree

2. It's hard to say which company gains the most in an ebill conversion. Verizon saves money by eliminating the paper and BofA potentially converts a customer into ebilling, an important retention benefit.

3. The screenshot is from the NACHA Payments presentation; it is a mockup, note the 2004 date, but presumably is an accurate representation of what the promo looked like.

4. CheckFree presented the latest penetration numbers at the conference, as determined in their Feb. 2007 research conducted by Harris Interactive. Three-quarters of ONLINE households, or about half of all households, now pay a bill or bills online with biller direct (55%) leading pay-anyone (38%) by a measurable margin (19% do both). See inset.

Update: It turns out that this was NOT a paid placement, but a joint marketing program. See April 27 post here.  

Here's an interesting twist on marketing bill payment services, Bank of America's  presence  on the Verizon Wireless post-login account page (see note 1). Here's how it works, according to a long-time reader and Verizon customer:

When Verizon wireless customers log in to their Verizon account online, the main page has a banner encouraging them to pay their bills at Bank of America's online billpay site (see below). Verizon also hosts a page on the benefits of paying through Bank of America and a link to the bank's login screen (see below).

I haven't seen this before, but since it all takes place behind Verizon's login, it's not visible to the outside world. I checked out the Verizon website this morning and Bank of America is not mentioned in the public areas. Has anyone seen this at other merchant sites? Leave a comment or email jim@netbanker.com.

Analysis
Everyone assumes that merchants want the bills paid directly on their site to maintain full control of the customer relationship. But evidently, even large merchants can be convinced to share the payment relationship if given proper incentives. 
 

Bank of America Banner on Verizon Main Account Page

More-info Page Hosted by Verizon Wireless

Note:

1. I am assuming Bank of America is paying for the linkage; but it could be a joint marketing relationship where the bank pitches Verizon Wireless services in return for the exposure. The screenshots were submitted in early April.

While many ideas discussed here require significant investment, here's something that any financial institution can do: Go green by supporting the environment through online banking via paper reduction, reduced trips to the bank, and so on.  

Some ideas:

• Plant a tree: We've seen several financial institutions use this one: A tree is planted whenever a customer signs up for estatements or electronic billpay. The latest to use it, Sovereign Bank and CheckFree today announced a program that donates funds to the National Arbor Day Foundation for setting up new electronic bills (excerpt below, see note 1). Their joint press release (here) contains good background info on the environmental impact of electronic delivery. Bank of America ran a similar promotion last year at this time (news release here, screenshot in note 2, webpage here).

As part of the Go Paperless campaign, developed to educate consumers
about the green-friendly benefits of paperless bills, Sovereign Bank and
CheckFree will donate $1 to The National Arbor Day Foundation for each new
electronic bill (e-bill) that customers activate at Sovereign Bank from
April 1 through May 31, 2007. Each donation will help cover the cost of
planting one new tree

• Green products: Australia's Bendigo Bank (banner above) and Canada's VanCity CU have