A clever way to remove barriers to online banking is to make alternative interaction easy and cheap. Sometimes customers need to check their balance or transfer funds, and they don't have a network connection handy. A few banks offer a familiar service of touch tone phone access without any extra charge. Although online, interactive guides through a bank's products adds complexity to the programming it also serves the bank by assisting potential customers in choosing new products or services. These tools help remove some of the mystery involved in so many account options and costs.
Extensive tools can help attract customer to a variety of bank services or partner services.
Just as those offering the ability to assign categories and create reports, some banks allow online checkbook reconciliation. In fact, a few have worked automatic reconciliation into the mix. They have a check register format along side the regular ledger format. The customer's debit card transactions go almost immediately into the register format and are shown as spent but not cleared. If a check clears the account without being added to the register the notation is added to the check register automatically.