Banks: Migration From Tellers to Online Banking On The Rise

eMarketer just released a study about online banking. Currently over 31.5 million Americans are banking online up from 26.8 million last year. The study is aimed at determining whether or not these online banking applications are doing all they can to capture the needs of their customers. I can tell you right now that Bank of America needs to add some features to their online system.

Online Banking Feature Requests
1. Let me open a trouble ticket pertaining to the online system instead of giving a phone number to call of someone that has no idea what they're doing.
2. Let me make a wire transfer online so I don't have to go to my local branch and fill out a bunch of paperwork.
3. Ability to chat live and securely with a "qualified banking representative" that can actually answer my question in real time after verifying my identity.
4. I need to be able to connect all of my accounts online instead of "trusting" their banking representative to do it for me. This has failed me 3 times already.
5. Add layers of security so that I can keep my "secret gift fund account" hidden from my wife since I opened it before we were married and only use it buy her gifts. I should be the only person that can see it.