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.
Teams will be allowed to use five substitutes when the season resumes after a Fifa proposal to help with fixture congestion was approved.The change applies to competitions due to be completed within this calendar year, and the decision on whether to implement the changes is for each relevant competition organiser.There is also an option to stop using the video assistant referee system.Most leagues around the world have been halted by the coronavirus pandemic.Germany’s Bundesliga is due to resume next week, while the Premier League’s Project Restart has a prospective resumption next month.The International Football Association Board (IFAB), football’s rule-making body, has agreed to a temporary change to the laws of the game in order to protect player welfare.“The temporary amendment comes into force with immediate effect, and has been made as matches may be played in a condensed period in different weather conditions, both of which could have impacts on player welfare,” IFAB said in a statement.Ifab and Fifa will decide at a later stage whether to extend the ruling to the 2020-21 season.How it will workEach team will be allowed to use a maximum of five substitutes.To reduce disruption to the match, each team will have a maximum of three opportunities to make substitutions during the game; substitutions may also be made at half-time.If both teams make a substitution at the same time, this will count as one of the three opportunities for each team.Unused substitutions and opportunities are carried forward into extra time.Where competition rules allow an additional substitution in extra time, teams will each have one additional substitution opportunity; substitutions may also be made before the start of extra time and at half-time in extra time. Source: BBC