If you want to make a deposit, you fill out the online form and scan in the front and back of your check. No need to mail the check in.
Most desktop copy machines and printers today also function as scanners, so scanning is as easy as printing out a memo. And you can also buy a little desktop scanner that’s no bigger than a six-inch ruler.
Want to apply for a loan? Start by logging into your account.
I mention these admittedly prosaic banking tasks because I spent the morning at the offices of the REALTORS® Federal Credit Union, based in Rockville, Md., about a week ago and the friendly, professional staff there demonstrated how easy it is to get your banking done when you can do almost all of it from the convenience of your desk.
No doubt for your children, banking online will be as second nature as cultivating a virtual farm on Farmville. (If you have to ask, go here.) But for the rest of us, virtual banking takes a little getting used to. The key term, though, is little. It takes just a few minutes to understand how it works. Once you do, the idea of going to a bank to conduct business will seem like a big expenditure of resources—gas for the car, time away from your desk, making sure you’re leaving with your keys in your pocket, etc.
Of course, if you like the social aspect of getting out and seeing people, virtual banking doesn’t offer that (although you can certainly stop to chat with your acquaintances on your way to the closest participating ATM machine). So, admittedly, it can’t offer everything. But if you just want to get your banking done, it’s nice to be able to do it from your desk.
To introduce online banking to those of us who need such an introduction, the two-and-a-half minute video above gives you a great taste of how it works.