Clairmail will be announcing implementation of their product with Bank of Stockton, in California. BofS is a 16 branch operation, and this is indicative of how smaller institutions do not have to let the big guys beat them on funtionality.

On-Demand Account Management – Bank of Stockton customers can check their balances, view their account history, and conduct transactions such as fund transfers.

Actionable Alerts – Customers can receive and respond to 2-way alerts for cases such as low balances or check overdrafts, along with the ability to approve or deny certain types of transactions.

I like this type of solution, because it creates stickiness, and enhances customer loyalty.

For additional discussion on the solution, and the strong security aspects, refer this earlier post.