Tag Archives: ICBA magazine

Ready to Fly?

Consumer restlessness over megabank fees could be rising, again By Michael J. Blankenheim In a potential reprise of post-Wall Street crisis fury, consumer ire appears to be rising again over steeper, more frequent and seemingly arbitrary megabank fees, not to mention often persistently exasperating megabank service issues. According to a new survey by a bank […]

Drawing the Big Picture

Stepping back and taking stock of regulatory strengths and weaknesses By Karen Epper Hoffman In this compliance-heavy, post-financial crisis world, community banks should step back and take stock of their regulatory strengths and weaknesses. But how to begin and whom to involve? Experts weigh in.

In the Trenches

Three compliance captains report from the regulatory front lines Compliance officers are the lieutenants rallying and leading the troops on the regulatory front lines, sometimes under direct fire. ICBA Independent Banker touched base with three successful compliance officers across the country to see how they and their community banks are doing. With persistent hard work, […]

Payments Exchange

New Transaction Liability Court rulings underscore the need for layered security systems By Cary Whaley How does the reversal by the U.S. Court of Appeal for the First Circuit of PATCO v. People’s United affect your community bank’s corporate online services? It signals a trend by several courts to rule against banks that fail to […]

Traffic Report

Integrated teller and queue management systems that harness data for greater branch efficiencies By Jennifer J. Salopek Research has shown that branch transaction volumes have declined by 45 percent since 1992. Studies by Knowledge@Wharton, the industry research arm of the Wharton School of Business, have revealed that, as recently as 2011, 82 percent of consumers […]

What Makes a Social Influencer?

By Ann Chen This year, ICBA debuted a first-of-its-kind recognition of community banks that are outstanding social media influencers within our industry. The Top Community Bank Leaders in Social Media list (see pages 34 and 35) features community banks that go above and beyond in their social media efforts by fully incorporating those activities into […]

Crack Card Issuers

Four principles of the top-producing credit card programs By Collin Canright Community banks with highest producing credit card lending programs keep cardholders close to home. They also tend to use their card programs as part of their overall relationship-building activities, in many cases offering simple, stripped-down programs that solidify their customer relationships and their community […]

Observing Overdrafts

CFPB study highlights differences in how banks administer overdraft protection programs By Viveca Y. Ware The Consumer Financial Protection Bureau’s highly anticipated June 2012 report on overdraft programs confirms what ICBA has been explaining for over a year: While there is universal value in offering consumers such programs, how those programs are administered varies greatly […]

Compliance Challenged?

ICBA MEMBERSHIP PROGRAMS | Professional Development ICBA’s free online compliance training rides to the rescue By Judith Sears As many community banks scramble to keep up with increasing regulatory oversight, the need for compliance training—and the pressure on time and resources to provide it—has loomed larger. Recognizing this, ICBA this year began offering its members […]

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