Extensive FAQs: The FAQs need to be expanded tenfold.Lame homepage videos: Granted, I’m not in the Gen Y target market so I could be wrong, but if I think the videos are lame, what do you think a 22-year-old will make of them? I say lose the “man on the street videos” or reshoot them in a less-scripted manner.No demo: There are several Flash instructional videos that show most of the key features, but there is no all-encompassing demo for users wanting a tryout before buying.The website design is impressive and very un-banklike, yet it lacks some basics: Credit: credit cards, line of credit, auto loans, and so on.Social aspects: forums, reviews, blogs, or even testimonials ( note 4).Online customer support: Customer can apply online through the Andera-powered app however, there is no link to any online-support options such as chat, IM, text, or even a Web-based input form or old-school email address.Mobile functionality, especially text banking and alerts.Wish List with savings goals and progress reportsįour areas that are noticeably absent, or at least not mentioned:.Savings game called Punch the Pig, a video-game-inspired savings gimmick: Each time the pig appears on screen, users can elect to “punch” it to automatically move money from checking to savings.Automated savings function called Savings Engine that allows users to set up time-triggered ( e.g., once per week) or event-triggered ( e.g., each debit card use) automatic savings transfers.Ability to move money among the three accounts by moving a slider across the screen, called the Money Bar.g., high-yield savings or money market deposit account) Package of three deposit accounts: Spend Account ( e.g., checking), Reserve Account ( e.g., savings) and Growth Account (e.ATM-free rebate ( but only if there’s a $2000 average monthly balance in the checking account portion).Free overdraft protection among linked accounts.No fees ( except $0.50 per written check after the first 3 per month and the usual penalty fees).Savings: two types of savings accounts, automated savings options, wish list, and a random video-game-inspired savings tool called “punch the pig” ( see below).Cash flow: debit card, checking, online bill pay, financial calendar, recent transaction report.It also features several unique personal financial management features with an emphasis on functions most likely to appeal to a 20-something audience: The account comes with a checking account, bill payment, and two types of savings accounts. retail bank with $83 billion in deposits ( see note 1), today launched a new online combo account called PNC Virtual Wallet. Pittsburgh, PA-based PNC Bank, the 15th-largest U.S. Furthermore, it’s not from Wells Fargo, Bank of America, Chase, or even ING Direct. Just when you thought Mint, Wesabe, and Geezeo had a lock on all the headlines for Gen Y personal finance, along comes a truly inspired effort from a major U.S.
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