ABA Banking Journal

Founded in July of 1908, ABA Banking Journal online contains the complete text of ABA Banking Journal, a monthly magazine on commercial bank operation and management published by Simmons-Boardman Publishing Corp. Articles cover employee relations, recruiting and training. Subjects in the magazine also include installment, mortgage, commercial, and industrial lending as well as correspondent, foreign, and retail banking; deposit gathering; bank cards; asset and liability management; data processing and telecommunications; security; government relations; and legal and regulatory developments. The publication also provides a calendar of ABA-sponsored courses, seminars and workshops. William W. Streeter is the Editor-in-Chief and Robert DeMarco is the Group Publisher/Senior Vice President. Steve Cocheo is the Executive Editor and Andrea Rovira is the Editorial Assistant.

Articles from Vol. 95, No. 4, April

Answer Guide's Interactive FAQ "Wows" Commerce Customers. (in Brief)
Commerce Bank, Cherry Hill, N. J., already relied on Lotus Notes and Domino for e-mail and in-house collaboration, so it wasn't such to stretch to put the tools to work to enhance their customer interactions, too. "The applications are easy to develop...
Computer Castoffs: What Can You Do with All Those Old PCs? (Community Banking)
Banking, by repute, is a nice, clean-hands way of earning a living. Yet did you know that you, and nearly everyone in banking, deals in toxic wastes? The downside to the ongoing computer revolution is the huge amount of relatively young equipment...
Documenting Loan Participation Agreements: Practical Tips for Lenders. (Special Advertising Supplement Executive Summary)
Loan syndications and participations (together called "colending") have surged in popularity since 1991. This article focuses on participations, not syndications, where a lead bank funds a borrower and sells fractional interests to participating financial...
Don't Sweat the Debt! (the Economy)
LIKE THE UNRELENTING stalker in a B movie, fears about household debt simply won't die. The basic horror story goes something like this: The economy has been sustained by consumers spending more than they should, running indebtedness to record levels....
Experience Retail: The Future of Design. (Special Advertising Supplement: Executive Summary)
Never before has the competition for a share of the customer's wallet been more ferocious. Today the choices available include not only traditional choices like banks and credit unions, but also many new non-traditional choices such as discount brokerage...
Fighting Hackers, Fraud and Wrong Perceptions. (ABA Chairman's Position)
YOU'LL RECALL THE NEWS STORY IN February about a hacker who gained access to millions of Visa, MasterCard, American Express and Discover credit card account numbers. The hacker reportedly broke into the computer system of an Omaha company that processes...
Follow the Bouncing Check
Q. Is fee-based overdraft protection: a. A valuable customer service? b. A consumer rip-off? c. Vitamins for your bottom line? d. All of the above? Many banks provide free checking accounts for employees, and some traditionally kept...
How to Benefit from Optimization, without Losing Your Shirt. (Special Advertising Supplement)
Experian white paper details the benefits that result from utilizing optimization during the credit life cycle. If businesses are to succeed in today's price-driven market, it is critically important for organizations in the credit industry to operate...
Human Nature, Inc. (Editor's Column)
WHEN YOU BANG YOUR HEAD, what's your reaction? "Ow!" Which usually is immediately followed by "Darn!" (or its equivalent). Why? Because we're embarrassed, angry at ourselves, and angry at the stupid drawer, door, or whatever got in the way. It's...
Image Capture at the Point of Presentment. (Special Advertising Supplement: Executive Summary)
For over 10 years industry experts, trade organizations, and financial institutions have outlined and debated business cases and benefits for adopting imaging. Many positive changes have occurred over that time, image capture technology has matured,...
It's a Small "Wow" after All. (Briefing)
We look at everything through the lens of the customer." Many corn pa flies say they do this, according to former Disney exec Dennis Snow, but in reality don't. Consider the furniture company that just sold you several thousand dollars worth of...
Let's Give 'Em Somethin' to Talk about. (Special Advertising Supplement: Executive Summary)
No matter what your age, you probably still remember your first visit to the new McDonald's fast food restaurant when it opened in your town. Long before branding was the latest buzzword in the retail industry, McDonald's introduced the sweeping golden...
Mailbox
BSA Penalties Q. Where can we look up the penalties, both civil and criminal, for the Bank Secrecy Act (BSA)? A. The civil penalty is found at 31 CFR 103.57 and the criminal penalty at 31 CFR 103.59. It should be noted that these penalties for...
Metamorphosis Turns a Competitor into an Ally. (Community Banking)
It's not unusual for community bankers to stand up and speak out on the competitive threat of credit unions at industry meetings these days. But when Kay Hoveland does so, she brings more perspective to the matter than most. That's because she's "been...
"New Basel Accord: Sound Regulation or Crushing Complexity?" (Briefing)
Under this rippling banner, on Thursday, Feb. 27, 2003, a complex set of proposed changes in bank solvency rules, known as Basel II, were subjected to tense hearings before a subcommittee of the U.S. House Committee on Financial Services. "The ability...
New Risk Profile: The Flap over Bounce Protection Demonstrates Clearly the New Breed of Compliance Risks Banks Face. (Compliance Clinic)
On January 22, the New York Times ran the headline, "Banks Encourage Overdrafts, Reaping Profits." The article, by Alex Berenson, opened with this sentence: "At least 1,000 banks are encouraging customers with low balances to overdraw their checking...
Now You're Getting Sued by Another Lender: An Arizona Case Could Make Loan Take-Outs a Lot Tougher. (Lender Liability)
Lender liability is taking a new twist, as lenders are beginning to sue other lenders for failing to disclose during the take-out of a loan any suspicions that the borrower is not as creditworthy as he seems. This trend is best exemplified in the Arizona...
Overdraft Program Well Worth the Effort, If Run Responsibly. (Viewpoint)
AN INTERESTING DEBATE HAS EMERGED OVER WHETHER BANKS AND THRIFTS ARE SAINTS OR SINNERS WHEN IT COMES TO OVERDRAFT PRIVILEGES. The payment of NSF checks is not a new concept. Historically, banks have always provided selective overdraft payment for...
SunTrust Hones E-Banking by Forecasting Customer Behavior. (Webnotes)
Surely any executive would love to know how satisfied the bank's customers are with their online experiences. And how that satisfaction translates into profitability. And how customer satisfaction with e-banking changes--feature by feature and week...
Taking CRM Step-by-Step. (Tech Topics)
Judith Kincaid is a former Hewlett-Packard executive with a business and technology background (including programming experience). At HP, she led the strategic direction of consumer and B2B CRM and oversaw the development of several major customer-facing...
Time for New Metrics: Sarbanes-Oxley Is Part of the Solution, but a Management/analyst-Led Shift to Non-GAAP Metrics Could Lead to True Transparency. (Financial Management)
Across the last decade, financial piracy--a virus old as money--stripped the value out of a few very big companies. For this to happen, the world's most renowned accountants "interpreted" reasonable accounting principles to erect a facade of financial...
Will We Kill a Useful Service? Don't Let the Fee-Income Possibilities of Bounce Protection Distract You from the Importance of Serving Customers Well, and Fairly. If You Do, Reg Z Could Be Your Reward. (Cover Report)
I sometimes use my five siblings--none of them bankers--as my own personal "focus group," to gauge consumer perception of a bank practice or product. I can be assured of a frank, genuine opinion, unadulterated by in-depth knowledge of consumer banking--and...
Wings over Texas: Frank Breazeale Turned a Personal Passion for Flight into a Sideline for His Bank's Consumer Lending Program. (Community Banking)
According to Central Casting, bankers are supposed to be those conservative, keep-your-feet-on-the-ground types whose only notion of excitement is a big interest-rate spread and an early tee time. By way of answer, there is Frank Breazeale, whose feet...
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