Can I Really Do All of My Banking Online?

Humans are so tech-centric that machines seemingly run the world. Things feel more fluid, and certain tasks have become much simpler to do.

Think about how renting a movie used to be. Stores such as Blockbuster or Hollywood Video were open to the public, and had large selections of movies—and video games—which could be rented or purchased. This was how it was done, for many years.

However, someone thought up a better way, that removed the various complexities presented when customer service is involved. Redbox entered the scene, and later Netflix, Hulu, Amazon Video, among others. These are now the standard for movies and TV. These companies are even passing up typical cable subscription brands.

Technology has a way of changing how things are typically done. Next year something huge could change the game completely.

Technology for banking institutions has come a long way. Banking used to be done like this. A person would enter a building to make deposits, transfers, withdrawals, and obtain loans, and so on.

Then with the upsurge of commuters, drive-thru banking was introduced. But the people spoke again, and banks listened. Financial institutions began creating websites where accounts could be checked, and the routine banking actions could be taken care of—all at home, away from the bank itself.

In addition to having websites for the existing clientele, it’s a known fact in the financial industry that banks are investing millions of dollars to stay ahead of the curve when it comes to their online marketing strategy. In order to get their websites ranked, these organizations have benefited from the use of digital marketing services, such as SEO, to increase their visibility on the Web.

SEO is the process of strategically placing keywords—which consumers commonly use on search engines—around webpages that need to be visited and seen. This is how banks have excelled with online presences.

As if things weren’t easy enough already, though, banking applications were created for mobile devices. These apps have made it possible to do all things banking while on the go, and most banks have these currently. It is like a massive game of “Keeping Up with the Joneses.”

So where is the world now, in terms of banking? Up until about eight years ago, banking was fairly content with itself. But, things have to become even easier somehow.

Online banking became a real thing within this past decade. Anything type of banking can now be done online, through purely online banking organizations. The most notable of these organizations is Ally Bank.

They have reached great financial heights that most other companies haven’t been able to. To think that all banking tasks—that is anything and everything someone would need to do at a bank, ever—can be completed without the need to enter a building, much less drive somewhere.

These banks have recently, within the past few years, put many banks out of business. Why do humans like to do accomplish things in simpler ways? Why do we naturally lean towards ease and comfort, rather than sticking with the original way?

People are drawn to advancement. And if we can reduce the number of trips we have to make out of the home, all the better.

You can literally do all banking processes without taking one step. Whether you need to deposit a check, pay off a credit card, renew a card, apply for a loan, transfer money to another account, send money or check your credit score, you can. What a world this is.

It’s no wonder that the banks which haven’t progressed are being left behind. Things are so much easier when managing money can be done at home.


Murris Johnson, one of the few people that has been working in the digital marketing industry full time since 2003 and has worked with small businesses, to start-ups, to Fortune500 companies. His passion for all things related to digital marketing stems from the focus of helping internet users find the exact information and products they are looking for, when they want it.

Written by Murris Johnson