Offer an answer before the question gets asked

I'm going to give Bank of America a thumbs up and a thumbs down for two recent changes that raised my curiosity.

First, the positive. Bank of America (and a few other accounting/banking sites I've seen) seem to be switching to sign-in process that involves entering your username on one screen, and then your password on the next screen, rather than doing both at once. I don't know the research behind this, but my assumption is that this must be a more secure way of managing the login.

However, the first time I noticed that I wasn't being asked for a password, I got concerned. Did that mean that now someone only needed my username to access my account? It raised an alarm. However, right below the username field I noticed a link that said "Where do I enter my passcode?" Even without clicking the link, my concerns were relieved, because it was clear just by providing the link that I would, indeed, enter my passcode at some point to sign in. This is an example of smartly predicting a user's question and providing an answer without them having to ask. It saves the company time and money by reducing customer service requests, and it reinforces the user's confidence by being transparent and anticipating their questions.

Now the negative. I recently deposited a somewhat large check in my account. The pending deposit showed up immediately on my online banking. A few days later, however, a negative "deposit hold" for a slightly different amount appeared. Had it been the identical amount to my deposit I would have been less worried, but the fact that it was a different number, and that it was showing as a separate debit to my account rather than just a note on my original deposit, had me concerned that someone had somehow erroneously withdrawn that money from my account. There was no additional information, and even a search through customer support gave no explanation of a "deposit hold." I suspected things were probably fine and it was just an odd line-item while waiting for my deposit to clear, but to be sure I sent a message to customer service. They eventually confirmed that it was just a note until my deposit fully cleared and not to be worried.

However, they missed two key opportunities to provide information in advance, left a customer worried for a few hours, and ended up expending the time/cost involved in responding to an individual customer request. Had they included a clearer note with the "deposit hold," or even at least had an easily searchable answer in their customer support, they would have saved money and prevented any cause for concern.

I've seen similar examples of anticipating questions/concerns online, such as ING Direct adding a simple disclaimer to accompany a slight site redesign: "We gave our site a minor facelift. So if you notice anything different after you sign in, don't freak out. You're in the right place." Another smart move.

Anytime you are designing for the web, it's smart to brainstorm what questions your users might have, and to make sure the answers are provided or easily findable in advance. It's a win-win addition.