THE CHALLENGE

In addition to fees that a retailer or other business charges a consumer for insufficient funds, financial institutions charge their personal banking customers high overdraft fees for the same transaction.

Personal banking reps requested a way to help their customers proactively manage low account balances to prevent these unfortunate—and expensive—events.

MY ROLE

UX architect, UX writer

THE SOLUTION

Online banking product owners proposed that personal banking customers receive mobile device alerts when an account balance fell below a predefined level, and have the option to transfer funds to avoid overdrafts.

My wireframe below details the interface for configuring a banking alert (branded as a “Take-Action Alert”) delivered to a mobile device and to which the user can reply and transfer funds—in this scenario, to cover a low checking account balance.

I designed the user interface and wrote the field, link, and button copy. This project required collaboration with the product marketing team, online banking product owners, and regulatory staff.

Unfortunately, because overdraft fees accounted for considerable cash flow, the project was shelved before user testing and development began.