Community Bankers of Iowa Monthly Banker Update November 2013 | Page 7

From the Top

Written By: Bill Loving, Chairman of ICBA

On Going Mobile
As a community banker, my customers always come first. And
just like all community bankers, I make decisions based on what
will be best for my customers. That’s because what’s best for
my customers and community, in the end, is best for my bank.
We, as community bankers, always aim to offer our customers
the best of everything, and our technology is no exception.
That’s why back in 2004 Pendleton Community Bank began offering its customers online banking, and then in 2010 we began
offering mobile banking through an app for both iPhone and
Android smartphones. To complement these delivery channels,
we rolled out commercial remote deposit in 2009, and within the
last 60 days we brought on consumer remote deposit capture.
And let me tell you, the response from our customers from that
latest addition was huge! We knew it would be a beneficial
product, but we were truly blown
away by how many of our customers
of all ages were interested in using
the service as soon as it rolled out—
just another reason why you should
never assume anything.

and risk mitigation associated with introducing new technology
can be daunting to risk-averse community bankers, but I assure
you that the opportunities outweigh the cost and potential headaches. It’s all part of our job nowadays, and community bankers
are up for the challenge.
I encourage community bankers to take a look at ICBA’s 2013
Payments Survey on the association’s website. See how your
community bank stacks up, and if you find that you have questions or just need more information, feel free to give ICBA’s staff
a call or send them a note. They will be more than happy to
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