A majority of US banks do not offer a full line of online banking services, according to an April 2007 study by Brulant.
The study found three-quarters of bank home pages did not "recognize" individual customers at each visit, and 44% did not offer account sign-in on the home page.
Just over a third offered branch or ATM locators on the home page, and about a quarter offered pre-filled applications for existing customers.
Even marketing had its shortcomings.
Over three-quarters of sites did not identify and provide targeted messages to customers upon arrival at Websites.
Nathan Carmon of Brulant said, "The online channel is where a customer goes expecting to get his or her needs met immediately. If you cannot meet a customer's most basic needs, starting at the home page, customer dissatisfaction skyrockets. Your ability to cross-sell or deepen the banking relationship with that customer is severely impacted. Also, your chances of retaining them in the long term are impaired."