Best Online Financial Services Providers

Online Banking Report periodically designates a new online feature as Best of the Web. This means that the feature is expected to be widely copied and to raise the bar in online financial services. Best of the Web winners do not necessarily have to be great overall companies or business units, just pioneers in online financial products and services.
Year 1996 1997 2005 2004 1995 1996 2005 1996 2002 2005 1998 1999 2000 1997 1998 2003 2001 2000 2005 2001 2004 1998 2001 2001 2000 1998 2004 2001 1997 1998 1999 2003 1999 1999 1999 2003 1998 2002 1997 1997 1998 1995 1997 1998 2002 1999 2002 1999 1995 1999 2000 2000 Company AT&T Universal Card Bank of Montreal Bank of America Barclays Bank (UK) BayShore Trust (Canada) Beneficial Finance Billeo Britton & Koontz First Nat. Charter One Bank Citibank CompuBank (Netbank) CyberBills (Metavante) DeepGreen Bank E-Loan eStudentLoan E*TradeBank E*Trade Mortgage Everbank Everbank Fidesic First National Bank (SA) InCurrent (ORCC) IndyMac ING Direct Juniper Bank LendingTree (InterActive) MBNA MortgageBot (M&I) NatWest Bank NextCard OneCore Financial Online Resources PayMyBills (Metavante) PayPal PayTrust Penn. State Employees CU PeopleFirst (Capital One) Privista QSpace (Experian) River City Bank SecureTax (Intuit) Security First Network Bank Signet Bank TD Bank TrueLink (TransUnion) VerticalOne (Yodlee) Weatherbug WebTurboTax (Intuit) Wells Fargo WingspanBank (Bank One) WorthKnowing X.com (PayPal) Claim to Fame First card to offer specific online fraud protection First online real-time mortgage loan approval. First use of multi-factor log-in powered by Passmark Web-based products, services, and offers geared towards startups. First online real-time loan approval. First major instant loan approval Biller-direct toolbar First triggered email alerts. Triggered messaging service, fyiAlerts Security innovations including pin-protected transfers and personalized email First online interbank funds transfer system and third level password Scan-and-pay bill payment First real time-approved home equity line of credit online mini-application First major Internet-only lender launched in mid-1997; free credit scores. First student loan marketplace, later acquired by StudentAdvantage Easy to use web-based interbank funds transfer with real-time ACH deposits. Superb layout and great customer support including MyLoanTeam Overall superior design and product set; integrated account aggregation. Innovations in account aggregation and integrated banking Turnkey email payment and invoicing for small businesses Digicode multifactor token-based access option for retail banking customers. Cardsite credit card platform that offered a host of advanced features. Ensuring that applicant feel comfortable through the entire process Attractive and easy-to-use savings products Credit card issuer with a Net-only bank on the side Innovative loan auction marketplace Bill Pay Choice: pay-anyone bill payment from checking or card. Excellent overall, especially its loan status center Excellent look & feel combined with great content for small biz First credit card with real time approvals; real-time balance transfer system Turn-key small business services MoneyHQ premium online banking service. Scan-and-pay bill payment First to develop email P2P payments Account aggregation integrated with scan-and-pay bill pay Upost@home real-time credit for deposits via mail or ATM. Blank-check auto lending. User-defined credit report alerts First online credit bureau report. First bank to add personal finance capability to its Web-based statements First easy-to-use full-service online tax service First full-service Internet only bank brand First major bank with triggered email account alerts Session logs allow users to review what theyve done online Online credit report sales and delivery First provider of financial account aggregation Persistent desktop presence Full service Web based tax returns and tax planning First bank to offer Web-based account access Overall improvements in online banking user interface Credit report delivery combined with preapproved card offers Online signup process, interbank funds transfer, and indexed mutual funds OBR Issue (pages)

119 (12-19) 107/108 (57) 21 (8-9) 116/117 (34-43) 86 (20) 119 (20-26) 47 (16-17) 63 (8-15) 30 (13-15) 43 (13-16) 96/97 (30-33) 73 (14-21) 57/58 (12-16) 112 (6-8) 70/71 (28-36) 112 (9) 43 (10-11) 73 (6-13) 74/75 (40-43) 67 (12-34) 38 (21-23) 104 pp. 16-17 73 (3-35) 29 (8) 37 (12-19) 48 (12-13) 103 (14) 50/51 (20-22) 54 (10-14) 54 (18-19) 103 (20-23) 40 (13-15) 83/84 (31-34)

33 (16-17) 22 (17) 37 (16) 83/84 (35-46) 52 (19-23) 85 (12) 46 (12-15) 50/51 (8-16) 66 (16-21) 59 (14-19)