banking

Company NameWebsiteMore InfoAmerican Express Bank, FSB.http://www.americanexpress.com:80/ Details >American Express Centurion Bankhttp://www.americanexpress.com:80/ Details >Associated Bank, National Associationhttp://www.associatedbank.com:80/ Details >Astoria Federal Savings and Loan Associationhttp://www.astoriafederal.com:80/ Details >Banco Popular de Puerto Ricohttp://www.bancopopular.com:80/ Details >Banco Popular North Americahttp://www.bancopopular.com:80/ Details >BancorpSouth Bankhttp://www.bancorpsouth.com:80/ Details >Bank of America Oregon, National Associationhttp://www.bankofamerica.com:80/ Details >Bank of America, National Associationhttp://www.bankofamerica.com:80/ Details >Bank of Oklahoma, National Associationhttp://www.bankofoklahoma.com:80/ Details >Bank of the Westhttp://www.bankofthewest.com:80/ Details >BankUnited, FSBhttp://www.bankunited.com:80/ Details >Branch Banking and Trust Companyhttp://www.bbandt.com:80/ Details >Capital One Bankhttp://www.capitalone.com:80/ Details >Capital One, F.S.B.http://www.capitalone.com:80/ Details >Capital One, National Associationhttp://www.capitalone.com:80/ Details >Charter One Bank, National Associationhttp://www.citizensbank.com:80/ Details >Chase Bank USA, National Associationhttp://www.chase.com:80/ Details >Chevy Chase Bank, F.S.B.http://www.chevychasebank.com:80/ Details >Citibank (South Dakota), N.A.
Details >Citibank, National Associationhttp://www.citibank.com:80/ Details >Citicorp Trust Bank, fsbhttp://www.citicorptrustbank.com:80/ Details >Citizens Bank of Massachusettshttp://www.citizensbank.com:80/ Details >Citizens Bank of Pennsylvaniahttp://www.citizensbank.com:80/ Details >Citizens Bank of Rhode Islandhttp://www.citizensbank.com:80/ Details >Citizens Bank, N.A.http://www.citizensbank.com:80/ Details >City National Bankhttp://www.cnb.com:80/ Details >Colonial Bank, National Associationhttp://www.colonialbank.com:80/ Details >Comerica Bankhttp://www.comerica.com:80/ Details >Commerce Bank, National Associationhttp://www.commerceonline.com:80/ Details >Commerce Bank, National Associationhttp://www.commercebank.com:80/ Details >Compass Bankhttp://www.compassbank.com:80/ Details >Countrywide Bank, National Associationhttp://www.countrywidebank.com:80/ Details >Deutsche Bank Trust Company Americashttp://www.db.com:80/ Details >Discover Bankhttp://www.discovercard.com:80/ Details >Downey Savings and Loan Association, F.A.http://www.downeysavings.com:80/ Details >E*TRADE Bankhttp://www.etrade.com:80/ Details >FIA Card Services, National Associationhttp://www.mbna.com:80/ Details >Fifth Third Bankhttp://www.53.com:80/ Details >Fifth Third Bankhttp://www.53.com:80/ Details >First Hawaiian Bankhttp://www.fhb.com:80/ Details >First Tennessee Bank, National Associationhttp://www.firsttennessee.com:80/ Details >First-Citizens Bank & Trust Companyhttp://www.firstcitizens.com:80/ Details >Firstbank of Puerto Ricohttp://www.firstbankpr.com/ Details >Flagstar Bank, FSBhttp://www.flagstar.com:80/ Details >Fremont Investment & Loanhttp://www.1800fremont.com:80/ Details >GE Money Bankhttp://www.gemoney.com:80/ Details >Guaranty Bankhttp://www.guarantygroup.com:80/ Details >Harris National Associationhttp://www.harrisbank.com:80/ Details >HSBC Bank USA, National Associationhttp://www.banking.us.hsbc.com:80/ Details >Hudson City Savings Bankhttp://www.hudsoncitysavingsbank.com:80/ Details >IndyMac Bank, F.S.B.http://www.indymacbank.com:80/ Details >ING Bank, fsbhttp://www.ingdirect.com:80/ Details >Investors Bank & Trust Companyhttp://www.ibtco.com:80/ Details >JPMorgan Chase Bank, National Associationhttp://www.jpmorganchase.com:80/ Details >Keybank National Associationhttp://www.key.com:80/ Details >LaSalle Bank Midwest National Associationhttp://www.lasallebankmidwest.com:80/ Details >LaSalle Bank National Associationhttp://www.lasallebanks.com:80/ Details >Lehman Brothers Bank, FSBhttp://www.lehmanbrothersbank.com:80/ Details >M&I Marshall and Ilsley Bankhttp://www.mibank.com:80/ Details >Manufacturers and Traders Trust Companyhttp://www.mandtbank.com:80/ Details >Mellon Bank, National Associationhttp://www.mellon.com:80/ Details >Merrill Lynch Bank USAhttp://www.ml.com:80/ Details >Mid America Bank, FSBhttp://www.midamericabank.com:80/ Details >Morgan Stanley Bank
Details >National City Bankhttp://www.nationalcity.com:80/ Details >National Motors Bank FSBhttp://www.gmacbank.com:80/ Details >New York Community Bankhttp://www.mynycb.com:80/ Details >North Fork Bankhttp://www.northforkbank.com:80/ Details >Ohio Savings Bank, F.S.B.http://www.ohiosavings.com:80/ Details >PNC Bank, National Associationhttp://www.pnc.com:80/ Details >RBC Centura Bankhttp://www.rbccentura.com:80/ Details >Regions Bankhttp://www.regions.com:80/ Details >Sky Bankhttp://www.sky-bank.com:80/ Details >Sovereign Bankhttp://www.sovereignbank.com:80/ Details >State Farm Bank, F.S.B.http://www.statefarm.com:80/ Details >State Street Bank and Trust Companyhttp://www.statestreet.com:80/ Details >SunTrust Bankhttp://www.suntrust.com:80/ Details >TCF National Bankhttp://www.tcfexpress.com:80/ Details >TD Bank USA, National Associationhttp://www.tdbankusa.com:80/ Details >TD BankNorth, National Associationhttp://www.tdbanknorth.com:80/ Details >The Bank of New Yorkhttp://www.bankofny.com:80/ Details >The Frost National Bankhttp://www.frostbank.com:80/ Details >The Huntington National Bankhttp://www.huntington.com:80/ Details >The Northern Trust Companyhttp://www.northerntrust.com:80/ Details >U.S. Bank National Associationhttp://www.usbank.com:80/ Details >UBS Bank USAhttp://www.ubs.com:80/bankusa/ Details >Union Bank of California, National Associationhttp://www.unionbank.com:80/ Details >USAA Federal Savings Bankhttp://www.usaa.com:80/ Details >Valley National Bankhttp://www.valleynationalbank.com:80/ Details >Wachovia Bank, National Associationhttp://www.wachovia.com:80/ Details >Washington Mutual Bankhttp://www.wamu.com:80/ Details >Washington Mutual Bank FSBhttp://www.wamu.com:80/ Details >Webster Bank, National Associationhttp://www.websteronline.com:80/ Details >Wells Fargo Bank Northwest, National Associationhttp://www.wellsfargo.com:80/ Details >Wells Fargo Bank, National Associationhttp://www.wellsfargo.com:80/ Details >Westernbank Puerto Ricohttp://www.wbpr.com:80/ Details >World Savings Bank, FSBhttp://www.worldsavings.com:80/ Details >World Savings Bank, FSB (Texas)http://www.worldsavings.com:80/ Details >Zions First National Bank
Online Banking: Top 100 Banksin order of Total Assets ($bill): [1,000 - 50] [50 - 25] [25-15] [15-11] [11-8]Total Assets over $1 Trillion - $50 BillionTotal Assets RankBankStockSymbolAssets 2006($billions)*Revenue 2005**($millions)Market Cap. 2006***($millions)Web**** influence (Pagerank)2006199915Bank of AmericaBAC1,105.056,923215,900824JP MorganJPM1,093.454,533143,190832CitibankC749.383,642240,4608418WachoviaWB496.623,68985,3907510Wells FargoWFC415.832,949111,9608611Washington MutualWM347.415,58842,9607716US BancorpUSB208.913,13355,5507820SunTrust BankSTI178.37,73127,8507932N/AN/AN/AN/AN/AN/A1028World SavingsGDW127.06,20022,41051129State Street Bank and TrustSTT91.935,47319,37071215Key BankKEY88.884,86814,20071319Bank of New YorkBK87.756,86524,47071414PNC BankPNC84.413,73420,30061547MBNABAC81.25N/AN/A71638Branch Banking and Trust CompanyBBT81.175,50622,44051743Regions FinancialRF80.364,31015,290618N/ACountryWide FinancialCFC79.8810,01722.54619N/ALa Salle BankN/A75.19N/AN/A72022National City BankNCC72.958,03121,8506211Chase BankJPM69.75N/AN/A72261Sovereign BankSOV65.052,9197,770723N/AMerrill Lynch BankMER62.0426,00962,470624N/AING DirectING59.4157,23083,91972546Fifth Third BankFITB57.684,99520,54062698North Fork BankNFB57.212,77813,99062730ComericaCMA57.073,5968,630728N/ABank of the WestN/A54.762,052N/A72962M&T BankMTB54.682,78912,87063053AmSouth BancorpASO52.822,4819,2206Total Assets ($bill): [1,000 - 50] [50 - 25] [25-15] [15-11] [11-8]banking (or Internet banking) is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society's secure website. This allows customers to do their banking outside of bank hours and from anywhere where Internet access is available. In most cases a web browser is utilized and any normal Internet connection is suitable. No special software or hardware is usually needed.Contents[hide]1 Features2 Security3 Fraud4 See also//
[edit] FeaturesOnline banking usually offers such features as:Bank statements, with the possibility to import data in a personal finance program such as Quicken or Microsoft MoneyElectronic bill paymentFunds transfer between a customer's own checking and savings accounts, or to another customer's accountInvestment purchase or saleLoan applications and transactions, such as repaymentsAccount aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.There are a growing number of so-called virtual banks that operate exclusively online. These online banks have low costs compared to traditional banks and so they often offer higher interest rates.
[edit] Security
Security token devicesProtection through single password authentication, as is the case in most secure Internet shopping sites, is not considered secure enough for personal online banking applications in some countries. Online banking user interfaces are secure sites (generally employing the https protocol) and traffic of all information - including the password - is encrypted, making it next to impossible for a third party to obtain or modify information after it is sent. However, encryption alone does not rule out the possibility of hackers gaining access to vulnerable home PCs and intercepting the password as it is typed in (keystroke logging). There is also the danger of password cracking and physical theft of passwords written down by careless users.Many online banking services therefore impose a second layer of security. Strategies vary, but a common method is the use of transaction numbers, or TANs, which are essentially single use passwords. Another strategy is the use of two passwords, only random parts of which are entered at the start of every online banking session. This is however slightly less secure than the TAN alternative and more inconvenient for the user. A third option, used in many European countries and currently being trialled in the UK is providing customers with security token devices capable of generating single use passwords unique to the customer's token (this is called two-factor authentication or 2FA). Another option is using digital certificates, which digitally sign or authenticate the transactions, by linking them to the physical device (e.g. computer, mobile phone, etc). While most online banking in the United States still uses single password protection, the FFIEC issued regulations requiring that banks implement more secure authentication mechanisms by the end of 2006. Most large U.S. banks have responded not with security tokens or digital certificates, but by setting up a combination of controls that recognize a customer's computer, ask additional challenge questions for risky behavior, and monitor for fraudulent behavior.Banks in many European countries (including the Scandinavian countries, the Netherlands, Austria and Belgium) are offering online banking for e-commerce payments directly from customer to merchants. For instance, see iDEAL.
[edit] FraudMain article: Internet fraudSome customers avoid online banking as they perceive it as being too vulnerable to fraud[Who says this?]. The security measures employed by most banks can never be completely safe, but in practice the number of fraud victims due to online banking is very small. This is probably due to the fact that a relatively small number of people use Internet banking compared with the total number of banking customers world wide. Indeed, conventional banking practices may be more prone to abuse by fraudsters than online banking. Credit card fraud, signature forgery and identity theft are far more widespread "offline" crimes than malicious hacking. Bank transactions are generally traceable and criminal penalties for bank fraud are high. Online banking becomes less secure if users are careless, gullible or computer illiterate. An increasingly popular criminal practice to gain access to a user's finances is phishing, whereby the user is in some way persuaded to hand over their password(s) to a fraudster.
[edit] See also
Wikibooks has a book on the topic ofE-Commerce and E-BusinessMobile BankingCurrent accountTelephone bankingGuide to E-paymentsOnline lendersEnhanced TelephoneRetrieved from "http://en.wikipedia.org/wiki/Online_banking"