Departments & Columns articles

How could regtech ease the compliance burden?

Community banks are increasingly turning to regulatory technology to help them be more efficient and effective in their compliance efforts. By Karen Epper Hoffman With the industry abuzz about all things fintech, it can be easy to forget that technology is being applied to support and streamline banking efforts in compliance as well as retail […]

Two approaches to overdrawn accounts

What community bankers should know about overdraft and sweep account rules. By Mary Thorson Wright When a customer makes a transaction that overdraws their bank deposit account without a corresponding overdraft plan, they are, in essence, asking the bank for an unsecured loan. Community banks can and do return overdrawn payments—a practice that can be […]

The bank that’s just for kids

President and CEO Richard Martinez Jr. shares how Young Americans Bank is empowering young people to live the American dream. By Andrea Lahouze In Denver, Young Americans Bank has a curious differentiating factor: It is the only bank in the world that exclusively serves customers ages 21 and younger. It all began in the mind […]