april 2009 Your guide to making smarter, better financial decisions

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Smart Banking

smart banking

�

RemoteDepositCapture.com is the award-winning and leading independent information, products and services portal dedicated to the Remote Deposit Capture and Pay-ments industry. Site visitors gain free access to news, articles,

research reports, RDC overviews, service provider directories, RDC value calculators, educational webinars and an unmatched network of solution providers via the RDC Marketplace. Consumers, Businesses and Financial Institutions of all sizes have utilized RemoteDepositCapture.com as a resource to learn about and implement Remote Deposit Capture. Use the RDC Marketplace to find the best bank or RDC Solution provider for you and your organization.

VRS51668_EV_ad_USAToday.indd 1 3/30/09 3:03:03 PM

CONTENTS 2PlentyofOptions

4PanelofExperts

4SalavationinSavings

5CoolNewTools

5FourEasySteps

5StayingCompetitive

7BankingAlternatives

8RemoteDepositCapture

SmARTBANkiNg

Publisher:JonSilvermanjon.silverman@mediaplanet.com

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For more information please contact Kayvan Salmanpour, 646 922 14 00 kayvan.salmanpour@mediaplanet.com

This section was written by MediaPlanet and did not involve USA Today News or Editorial Departments.

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Mediaplanet would like to say a special thanks to...The Edcomm Group Banker’s Academy is a 22-year-old multimedia education and communication consulting firm specializing in the development of creative business solutions

that improve productivity, customer service and market share. Edcomm Banker’s Academy provides Banks, Credit Unions and Money Services Businesses (MSBs) around the world with off-the-shelf and customized courses such as Teller Training, Compliance Training and Systems Training in the form of eLearning programs, classroom instruction, multimedia production and online and print based documentation.

In times like these, financial decisions have both immediate and hard-hitting ramifications –

from setting and keeping a household budget to protecting assets to building a credit history. Not to mention simply stretching every dollar. Managing money becomes more important than ever.

Fortunately for consumers, com-panies offering banking and related services are strengthening traditional products and developing new ones. Even if you feel poorer (and who doesn’t these days?), you still have access to more financial tools, technology and information than ever before to help with that dollar stretch.

Take savings. Sure, it’s hard to think about putting money away for a rainy day when we’re in the midst of a financial flood, but any personal finance expert will tell you that starting to save early in life is one very big key to meeting financial goals later on. Many banks offer savings accounts that automatically transfer in funds from your checking account. You set the amount – $10, $100, $500 – that gets moved every month.

It’s almost as if the money was never there to spend, so how can you miss it? And bank deposits up to $250,000 are insured by the FDIC, so there’s no safer way to save.

More and more online tools help with everything from setting budgets and tracking expenses to calculating taxes and paying bills. Many are free and can aggregate data from multiple accounts. It’s easier than ever to collect and manage financial information in one place.

You can transact business online reassured that cyber-security experts are continuously beefing up Internet safety. New technologies make it hard for bad guys trying to steal information off the information superhighway and easy for you to have confidence in the security of the Web site you’re visiting. A little common sense on all our parts undercuts the effectiveness of most other cyber-scams. Online finance is as safe as a trip to your local bank branch.

While banks continue to anchor the financial system, consumers can also choose from a growing array of options for conducting financial affairs. Pay bills, transfer funds, even

shop online using alternatives to checking accounts and bank-issued credit and debit cards. Some of these make it simple to set and stay within strict budget parameters. Others offer valuable benefits like the ability to rebuild a damaged credit history.

We’re living through the toughest financial times in a century. Making good choices is critical. Start by accessing the tools and information that can make you a smarter financial consumer.

Plenty of Options for Banking Smart

you still have access to more financial tools, technology and

information than ever before to help with

that dollar stretch

“

“

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Create a strong foundation with solid savings solutions.

The more you save, the stronger you get. And it’s easier than ever with Get Started SavingsSM. You automatically save each month

and earn a year-end bonus.* And you don’t have to spend a dime just to put money away. You can also pick from a variety of CDs,

money market accounts and IRAs. To learn more, call 877.786.1111, visit suntrust.com/savings or stop by a branch near you.

*Get Started Savings account pays a one-time bonus after account has been opened for one year.SunTrust Bank, Member FDIC. ©2009 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Live Solid. Bank Solid. is a service mark of SunTrust Banks, Inc.

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smart banking

�

Americans are shifting their mindsets fromliving beyond their means to smart spendingand saving in order to get themselves on solidground. However, it is important for people torealizetheyarenotalone intryingtofigureouthowbesttogoaboutthisshift.Theyneedtoseekoutafinancialpartnerwhowilllistentothemfirst,understand their needs, show respect, act withintegrity,servewithapurposeandexceedexpec-tationsthroughservice,adviceandproducts.

At SunTrust, we have intensified our focus tohelpourclientsgetthebasicsrightsothattheycan build a solid foundation and sharpen theirfocusontheirfuturefinancialfitness.Whetherit’shelping our clients set up automated savingsthrough our Get Started Savings program orprovidingthemwithguidanceandadvicetotakethem through their retirement planning, ourclients benefit from effective solutions andpractical answers to their financial needs. Bygetting their financial houses in order, they willunderstandwhatitmeanstoLiveSolid.

Ourmarketishighlyfragmented—somelargecompetitors and thousands of small players.Mostofferlimitedproductsandlittleservice.Asa result,ourcustomershavebeenunderserved.There’s a ton of room to redress that balance.Takecredithistory.Wewerethefirsttooffertheability to connect bill paying with reporting toa credit agency, PBRC, which tracks that. Fromthebeginning,ourgoalhasbeentobecomethetrusted brand for pay transactions. We startedwith a strong core account offering—directdeposit, low fees, pre-paid debit card—andcontinually added functionality. Credit Builderisoneexample.Depositorscannowaddminutesautomatically to pre-paid cell phones, whichmany of them use. We offer short-term loansto help deal with the kind of emergencies thathappen to all of us, like the car breaking down.If you give people products and services theyneedatanattractiveprice,guesswhat?Theytakeyouuponit.

“Pay yourself first.”Americans are not big savers. Commerce

Departmentstatisticsshowmonthlypersonal

savings rates dropping from 7%-8% in the

1960sto1%-�%inthefirstpartofthiscentury,

often falling below 1% in recent years. Many

expertsthinkthiscouldchange,thankstothe

shock to the system delivered by the global

financial crisis. Short term, pulling out of the

recessionrequiresspendingbutinthelongrun,

saving more will benefit both the nation and

itscitizens.

Longrunistheconcepttokeepinmind.It’s

theonlywaytoharnessthepowerofcompound

interest—themostpowerfulforceintheuni-

verse,somewisemanoncesaid.Evenatamod-

est �.5% interest rate, $5,000 saved annually

growsto$18�,000in�5yearsand$359,000in�0.

“Everyonethinksiftheycanjustgettothat

nextlevel,$�0,000,$50,000,whateveritis,they’ll

beonEasyStreet,”saysSandraYoung,executive

vicepresidentofAtlanta-basedSunTrustBanks,

Inc.“It’snotnecessarilywhatyouearn,butwhat

youkeep.”

Youngsaysoneofthemostimportantthings

anyonecando,regardlessofageorincome,is

setfinancialgoals,suchaspayingoff loansor

buying a house. Put a money figure on those

goals and build a budget based on them.

Includeasavingsplan,eventhough it’soften

hardtosqueezeitin.Theruleofthumbissave

10%-15% of gross income, but many find it

easiertostartat5%or6%.Thekeyistostart

—andstickwithit.

Threefactorstobearinmindaretaxes,fees

and risk,allofwhichcanslow,orevenerode,

the growth of any nest egg. Tax advantaged

retirement accounts — IRAs, �01(k)s — are

the best way to keep Uncle Sam’s hands off

your money. Many employers offer matching

contributionsto�01(k)plans—tantamountto

atax-freeraiseorbonus.Nottakingadvantage

isleavingfreemoneyonthetable.

Thereareplentyoflowandno-costsavings

andinvestmentoptions.Savingsaccountsand

certificates of deposit, for example, cost the

saver nothing. Index funds — mutual funds

thatapproximatebroadmarketindexessuchas

theS&P500—carrylowfeesandnoup-front

salescharge.Itpaystoreadthefineprintbefore

handingoveryourhard-earnedcash—soyou

know what it’s costing. And remember that

mostsavingsproductsofferedbybanks–CDs,

money market funds, savings accounts – are

insured by the federal government. Stocks,

bondsandmutualfundsgenerallyarenot.

Themostimportantthingistogetintothe

game.“Thatoldadage,‘payyourselffirst,’isvery

important,”saysYoung.

Will Americans Seek Salvation in Savings?

As Western Union, a global leader in moneytransfer services, expands its offerings, thecompany is tapping into consumer bankingchannelsincluding:

Cash-to-Cash, Account-to-Cash, and Account-to-Account.

Theprevailingneedforbankedandun-bankedconsumers to send money around the cornerand the world brings a significant partnershipopportunitytobothbanksandWesternUnion.

Western Union’s recent agreement with U.S.Bank is part of the company’s new focus onidentifying and driving the development ofbest-in-class services to expand the company’sbusiness and better serve new consumersegmentsintheUnitedStates.

Western Union operates through a combinednetworkofmorethan375,000Agentlocationsin�00countriesandterritories.

Panel of Experts

dEBBiE croWdErEASTTENNESSEEREGION,CEOPRESIDENT,SUNTRUST

tim coltrEllPRESIDENTANDCEO,ACCOUNTNOW,INC

StEWArt A StockdAlEExECUTIvEvICEPRESIDENTANDPRESIDENTTHEAMERICAS–WESTERNUNION

dr lindA EAglEPRESIDENTANDFOUNDEREDCOMMBANkER‘SACADEMY

Strongbalancesheetsandcapital reservesarecertainly essential, but beyond those, the mostimportantinfluenceonthebottomlineispeople.The greatest resource of any organization is thepotential of its people and making those peopleaseffectiveaspossible isthebest investmentforabankinthesetryingtimes.Thisistrueacrossallareas and levels of the bank from the teller lineto the boardroom. Need to have one hundredcall center representatives doing the job of onehundred fifty? Improve their training and thetrainingoftheirsupervisors.Needtopexecutivesto restore morale after sweeping layoffs? Trainthem! Acquiring a bank or being acquired andneed to quickly prepare a large group to sellandservicenewproductsandusenewsystems?Create eLearning training programs that canbe taken on-demand by thousands at a time.Education is the way we improve ourselvesthroughout our lives, and through education weareabletoimprovethebottomlineofourbanksaswell.

smart banking

5

theinformationsuper-highway

canseemliketheoldWildWest

– few laws, fewer sheriffs and

gangsofbadguysabound.Thereality

is,powerfulsecurityisatwork–��/7

–wejustcan’tseeit.Byfollowingfour

simple rules, we can go about our

businessonlinemuchaswedointhe

worldofbricksandmortar.

1. WhenyougoaWebsite,make

sure to find the locked-padlock icon

embeddedsomewhereintheframeof

yourbrowser.Thismeansthedatayou

exchange– includingfinancial infor-

mation–isencrypted,orturnedinto

codeforitsjourneythroughtheether.

Itcan’tbewaylaidbycyber-highwaymen.

2. Lookforthebrightgreenaddress

bar.NewergenerationWebbrowsers

display a green background in the

addressboxalongwith thenameof

thecompanywhoseWebsiteyouare

visiting.Thistellsyouthebrowser,the

WebsiteownerandanInternetsecu-

ritycompanyhaveteameduptocon-

firmthatyouhavenotbeendiverted,

or hijacked, onto a rogue site.“False

sites are the biggest scam working

today,”saysTimCallan,vicepresident

ofproductmarketingforveriSign,Inc.,

a provider of Internet infrastructure

services.

3. Thesecondbiggestscamismali-

cious software, known as malware,

bugs that infect your computer.

But“malware can not get into your

computerunlessyouallowit,”Callan

says. Don’t download anything from

anywhere unless you are absolutely

certainofthesourceandcontent.

4. Spam is a perennial problem.

Beware email messages, instant

messages or entreaties from social

networkingsites.Spam,inparticular,

willoftentry to frightenpeople into

action–“Youraccountisabouttobe

terminated!”Don’tclickonembedded

links.GototheWebsiteyounormally

use manually, by typing the address

intoyourbrowser.Ifthere’saproblem,

they’lltellyouaboutitthere.

Waybackinthelate1990s,

it seemedeverybankof-

fered depositors a way

toaggregatedatafrommultipleac-

countstohelporganizetheirfinancial

lives.

“That was the killer app,” says

Atakan Cetinsoy, vice president of

personalfinanceforStrandsLabs,Inc.

“Butitdidn’ttakeoff.”

Therewereplentyofreasons.Worries

aboutconductingbusinessorsharing

personalinformationonline.Concerns

aboutsecurity.Fearofidentitytheft.

Butwiththepassageoftime,growing

familiarity with the Internet, and

advancesintechnology,wefeelmore

comfortable doing more online. In

fact, opting out of the online world

increasingly means losing access to

themyriadbenefitsitoffers.

A host of new personal finance

tools make it easier, more efficient,

more productive — even more fun

—togetyourarmsaroundfinancial

affairs online. Multiple budgeting,

taxandgeneralassistanceWebsites

are easy to access. Many are free.

Some, such as Moneystrands from

StrandLabs,takeininformationfrom

checking, savings, credit card, loan

andotheraccountsandhelpsusers

setbudgets,trackaccountbalances,

and receive email alerts according

topresetcriteria.Moneystrandsalso

servesupthebestdealsonproducts

andservicesthatmatchusers’spend-

ingandsavingspatters.Andyoucan

compare notes with like-minded

—andsimilarlyheeled—friends.

DoesthefuturelieinFacebookfor

finances?Notnecessarily,butonline

resources can help at a time when

theneedhasneverbeengreater.As

Cetinsoy says, “How many people

were putting ‘budgeting tools’ into

Googleayearago?”

old idea, cool new toolsOnline Personal Finance is Making a Comeback

Four Easy Steps to Online Security

Staying competitive: Finding the Right Payments Strategy

BYBRIANSEIMS,SENIORvICEPRESIDENTFIRSTDATA

A Global Leader in Electronic CommerceFirst Data powers the global economy by making it easy, fast and secure for people and businesses around the world to buy goods and services using virtually any form of payment. www.firstdata.com

Payments are evolving. Buyers

havemanychoiceswhenpurchasing

in person, online, or as part of a

business-to-businesstransaction.

Adopting an effective payment

strategyhelpsbusinessesstaycom-

petitiveandmanagecashflowinthis

challengingeconomicenvironment.

“Payments continue to shift from

cash and checks toward cards and

other electronic payment forms,”

saidDavidFuller,SunTrustexecutive

vicepresidentofTreasury&Payment

Solutions.“Businessesmustfind the

rightmixofsolidpaymentsolutions

for today’s customers and also look

aheadtonewtechnologies.”

Businesses should seek out a

partnerwithafullrangeofpayment

acceptanceoptionsandtheexpertise

totailorapaymentsprogramtothe

company’sneeds.Forinstance:

• Contactlessreadersatthepoint

of sale can speed up the payment

process, helping businesses such as

quick-serve restaurants and coffee

shopsservecustomersmoreefficiently.

• Giftcardand loyaltyprograms

can help businesses attract new

customers and reward their best

customers.

• Businesses can accept checks

through their Web site or convert

themtoAutomatedClearingHouse

(ACH) transactions at the point of

sale or in a back office, allowing

for quicker deposits and faster

insufficientfundsnotification.

Businessescan’tmakemoneyifthey

can’t take money. A comprehensive

paymentsstrategymakesiteasierfor

customerstopurchaseproductsand

servicesandhelpsabusinessmanage

overallcashflow,supportingsuccess

inacompetitiveenvironment.

can western union makemy life easy?

offering a wide range of financial solutions tohelp you manage your money

• transfer money, quickly and reliably• enjoy spending with control and ease with the Western Union®

Prepaid Visa® Card• make worry-free bill payments

©20

09 W

este

rn U

nion

Hol

ding

s, In

c. A

ll R

ight

s R

eser

ved.

western union. fast. reliable. convenient.

Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents at any time.

westernunion.com

The Western Union® Prepaid Visa® Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.

imagine life today without a

checking account. That’s the

reality for millions of Americans,

complicating everything from

shopping to bill paying to building,

orrebuilding,acredithistory.

Estimates place the number of

Americanswithoutaccesstobanking

services at more than �0 million.

Some go as high as 80 million.The

mostcommonreasonsarebadcredit

orcreditrelatedissues.Arecentstudy

by Web site BadCreditOffers.com

found that more than 100 million

Americans are affected by negative

credit histories. This number will

almostcertainlygrowastherecession

sinksinitsteeth.

“Ifpeoplehavebeenturneddown

foracheckingaccountlastyearand

the year before that, how often are

theygoingtogobackandtryagain?”

asksTimColtrell,presidentandchief

executiveofficerofAccountNow,Inc.,

afastgrowingcompanythatprovides

alternativebankingservices.

Economists refer to these people

asthe“unbanked.”Collectively,they

account for $�00 billion in financial

transactionsannually,accordingtothe

Treasury Department. The most

common resources they rely on

are check cashing services, which

chargeafeeforcashingpaychecksor

extending small, short-term loans

againstthepaychecktocome.A�006

industry study by Mark S. Gottlieb,

CPA,PC,foundtherearesome13,000

check-cashing outlets in the United

Stateshandlingmorethan$80billion

worthofchecksannually.Theproblem

can be high fees. The average un-

bankedpersonspends10percentof

hisorhernetincomeonalternative

financial services, according to the

Gottliebreport.

Perhaps the oldest alternative

tobanks in theUnitedStates—for

customers with and without bank

accounts — is the iconic Western

Union,foundedin1851.The$5billion

globalcompanyistotallyuptodate

todaywithmorethan375,000 loca-

tionsin��0countriesandterritories,

and a line-up of online, phone and

walk-inservices.Customerscantransfer

funds, purchase money orders, sign

upforelectronicorcashpayments

services, and purchase pre-paid

debit cards. This month, Western

Unionistestmarketinganewprod-

uct,MoneyWise,apre-paiddebitcard

thatcanbedeliveredovernighttoa

familymemberorfriendandrefilled

remotely,includingonline.

“It’s both a budgeting tool and a

convenience,”saysStewartStockdale,

executivevicepresidentandpresident-

theAmericas.“It’salittlelikehavinga

bankinyourwallet.”

In recent years, new competitors

havesoughtashareoftheunbanked

market through lower prices and a

widerrangeofproductsandservices.

For a single monthly fee, customers

ofAccountNowcanarrangefordirect

deposit of paychecks, automatic

paymentofmonthlybillsandapre-paid

debit card. AccountNow also offers

short-term loans. Perhaps most im-

portantlyforthelongterm,customers

canrebuildtheircreditratingsthrough

aprogramthatreportsbillpayments

toPBRC,acredit ratingagencythat

tracksmonthlybillpayments.

DoesCEOTimColtrellworryabout

losing business to traditional banks

oncecustomersestablishtheircredit

bonafides?“No,we’refocusedonthe

brandexperiencebyredefiningwhat

bankingservicescanbe.”

Banking Alternatives Provide Access to Financial System

smart banking

7

The average un-banked person spends 10% of his or her net income

on alternative financial services.

“

“

smart banking

8

the challenges we face in the

currenteconomyrequireevery

business to find new ways

to improvethebottomline.What If

there were a service which could

helpbusinessesacceleratecashflow,

reduceexpenses,enhanceefficiencies

and improve productivity? What if

this same service could help banks

retainandgrowdeposits,betterserve

theircustomersandimproveprofit-

ability?Suchaserviceexists,anditis

called“RemoteDepositCapture”.

Remote Deposit Capture (RDC)

allows a user to scan checks and

createadigitaldepositwhichthenis

transmittedtoyourbank.Thebasic

requirements for RDC include a PC,

an internet connection, a scanner

andaserviceprovider.

RDC technologies are evolving

rapidly and now include browser-

based solutions, the ability to

integrate with accounting pro-

grams, and even the ability to use

flatbedorall-in-onescannersmany

people already have. For improved

performanceandusability,ahostof

function-specific scanners are on

the market which make using RDC

eveneasier.

Oneofthebiggestadvantagesof

RDCisconvenience.RDCprovidesthe

ability to deposit checks from your

desktopandeliminatethetriptothe

bank.Manysolutionprovidersoffer

later deposit deadlines, sometimes

as late as 9PM. Additional benefits

include efficiency gains, expense

reduction,improvedproductivityand

acceleratedcashflow.

GettingupandrunningwithRDC

iseasy.Agrowingnumberoffinancial

institutionsnowoffer theservice. If

your bank does not offer RDC, you

canuseasolutionproviderwhocan

acceptyourdepositsandcreditthe

bankofyourchoosing.

Today, there are approximately

500,000 locations using RDC, from

bank branches and corporate

treasuries to small businesses and

even consumers. RDC users have

realizedover$1.3Billionincostsavings,

eliminated over �16 Million miles

in travel to and from the bank, and

processed well over $5 Trillion in

deposits. The number of locations,

andthereforetherelatedbenefits,are

expected to grow tenfold over the

nextseveralyears.

It is ironic that, as one of the

greatest advancements in banking,

RemoteDepositCaptureeliminates

theveryneedtogotothebank.

remote deposit captureBY:JOHNLEEkLEY,FOUNDERANDCEO,RemoteDepositCapture.COM

JohnLeekley

com, Mr. Leekley has been a featured speaker at numerous industry & user

conferences, annual meetings and industry gatherings. In addition to

hosting the industry’s first RDC Confer-ence, Mr. Leekley is a primary resource

to, and has been a featured speaker with the FFIEC, FDIC, US Treasury, Office of Thrift Supervision and the National

Credit Union Administration.About RemoteDepositCapture.com:

RemoteDepositCapture.com is the leading independent information,

products and services portal for the Remote Deposit Capture Industry.

Founded in 2005, over 40,000 visitors per month visit to find news, informa-tion, solution provider directories, RDC

calculators, the RDC Marketplace and more.

John has over 19 years banking experience, the majority of which focused

specifically upon cash management product management, strategy and

development. Prior to starting RemoteDepositCapture.com, John held positions at HSBC Bank USA, Deutsche

Bank, PriceWaterhouseCoopers Consulting, and has conducted

independent consulting engagements for numerous Financial Institutions.

Since founding RemoteDepositCapture.