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april 2009 Your guide to making smarter, better financial decisions
USA Today
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Producyion: SunTrust 4C Banner strip for USA todayJob Description
Publications
3-9-2009 5:38 PM
SunTrust Bank, Member FDIC.
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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:[email protected]
Contributor:[email protected]
Design:CarrieReaghwww.carriereagh.com
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For more information please contact Kayvan Salmanpour, 646 922 14 00 [email protected]
This section was written by MediaPlanet and did not involve USA Today News or Editorial Departments.
www.mediaplanet.com
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
“
“
USA Today
Date/Time
Art Director/Designer
Mac Artist
Copy Writer
Production Manager
Account Service
Art Buyer
Proofreader
Job #
Bleed
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None
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Kelly C.
John R.
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Q1 Savings PrintJob Description
Publications
3-19-2009 9:35 AM
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.