29SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John San Filippo John is the co-founder of OmniChannel Communications, Inc., a company that specializes in B2B marketing to community financial institutions. He started out in the savings and loan industry, but wisely … Web: www.omnichannelcommunications.com Details I have a confession. I’ve been a customer of Bank of America for longer than I can remember. Yes, I have credit union accounts, but BofA has been my PFI for many years. So when I left Jack Henry two years ago to strike out on my own, I took the path of least resistance and opened my business accounts at BofA, too. The customer experience has been, in a word, exceptional, but more on that later.Fast-forward to this past July when Heather Anderson and I formed OmniChannel Communications. We talked about it and agreed to open our business account at a credit union. After all, I thought to myself, how different could it be from BofA? Sadly, it’s been very different.From the get-go, BofA made me feel special as a business customer. When I opened my account, I spoke with a person dedicated to business accounts. The next time I logged on to online banking, the branding had changed to a special business customer color scheme and look, with access to both my business and personal accounts. And whereas my personal accounts had a $10K monthly limit for mobile deposits, my new business accounts had a $50K limit. Like I said, I felt special.I am, however, willing to forego that special feeling if my credit union can provide me with the same level of service. Apparently it can’t – or at least won’t.For starters, Heather and I have to share online banking credentials at the credit union. Don’t get me wrong, our trust in each other is absolute. But I’ve been friends with Jim Stickley long enough to know this just ain’t right.Here’s something else that isn’t right: My credit union requires a second login for business billpay. That’s inconvenient, frustrating and just plain dumb.Remember my $50K monthly limit for mobile deposits at BofA? At my credit union, the limit is a measly $5K per day. That means if we receive two checks totaling more than $5K, I either have to mobile-deposit them on different days or go to the branch. Heaven forbid we should get a single check larger than $5K; that’s a mandatory trip to the branch. And what really rubs salt in the wound is that my business account has the same mobile-deposit limits as Uncle Guido’s personal checking account.Speaking of deposits, BofA never put a hold on a single check. I received next-day availability for mobile deposits and instant availability for branch deposits. Once on a road trip through Texas, I picked up a $27K check from a client in Austin and deposited it at a BofA branch in Boerne. I had immediate availability for the entire $27K. I was stunned – in a very good way.If I don’t have a current balance in my credit union account that’s twice the amount of my deposit, a two-day hold is placed on that check, just like when Uncle Guido deposits a big check from … well, you really don’t wanna know. I’m just another brick in the wall, baby (and probably part 3, at that).Oh, and don’t even get me going about business debit cards.Small businesses drive the economy. They are special. Credit unions should treat them specially, if not for their contributions to the local economy, then just because they offer a significant revenue opportunity for the credit union. Any credit union that thinks it can slap “BUSINESS” on a personal checking account and call it a commercial account is delusional.
Several renowned people from BiH commented the upcoming match between Greece and BiH, among them were BiH journalist Marjan Mijajlović, BiH basketball player Zack Wright, journalist Senad Hadžifejzović, famous Croatian football player Mario Stanić and member of BIH Presidency Željko Komšić.Mijajlović said that he expect tough match, but he’s convinced that BIH team will defeat Greece with Džeko being the one to score the goal and added that he thinks that BiH will defeat Greece with 1:0 in a very hard match.Wright said that if BiH players play a good match, the way they can, the match would be good, and he hopes BiH will win with 1:0.Famous BiH journalist Senad Hadžifejszović said that the loss must not be an option, but it is not imperative that BiH team wins, and added that he hopes that Pjanić will play and that Misimović will show a very good play, and hopes for the result 1:0.Komšić hopes that BiH team will win with 2:0, and Stanić said that he hopes that BiH will defeat Greece.Ambassador of Greece in BiH Karolos Gadis said that he hopes for a good match in Zenica and he hopes that both teams will qualify to World Cup 2014 which will be held in Brazil.
EL MONTE – The El Monte Police Department will soon be able to use an online crime-fighting tool that gives reports and maps detailing El Monte’s crime statistics. City officials, who approved the online service last week, said the CADmine system can provide immediate crime trend data and improve the agency’s effectiveness. “When a call is made to our dispatch system, that call gets entered into the computer-aided dispatch system and the information will then be dumped or pushed into the CADmine system, where officers or investigators will be able to view it,” El Monte police Lt. Dan Buehler said. “They’ll be able to look at crime patterns, calls for service in their reporting districts or beats and crime trends.” A senior sales executive for Corona Solutions, which owns the system, said 10 California police agencies use CADmine and that it is a cost effective way to access the data. “It gives police departments easier and quicker access to the information,” said Cindi Bierwerth. “And information is critical to the day-to-day functions of a law enforcement agency.” Buehler said the CADmine’s subscription will cost the department $12,345 per year and is based on service calls. “In 2006 El Monte answered over 81,000 calls for service,” Buehler said. “The department will be charged 15 cents per call to push the data from the computer aided dispatch system to the new CADmine system.” The Corona Police Department has used the CADmine system to identify high burglary areas and attributes their reduction of burglaries to the reporting system, said El Monte police Chief Ken Weldon. Police officials said the department has had trouble accessing information in a timely manner because of restricted resources. “We have an issue with residential burglary in a certain area of El Monte and the only way to be able to determine these problems we had to go through our crime analyst,” Buehler said. “That is one person and sometimes it can take a week or a few days to get the information if she is not in. With this system getting that information only takes a matter of minutes.” Buehler said being able to see where the crimes are happening and at what time of day will allow the department to flood those areas with additional officers and hopefully prevent crime. Buehler said the department hopes to have officers trained and using the CADmine system by March 1. [email protected] (626) 962-8811, Ext. 2109160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!