First Access Winner

by Kevin Lynch 8. July 2009

To help promote our First Access checking account, designed specifically for 18-25 year olds, we are conducting quarterly contests throughout the year. Each quarterly winner receives a check for $250 to be used any way they want. Our first contest, asking people to tell us about or show us their first car, ended this week. Based on a random drawing from all the eligible entries, the winner is Bonnie Gill who submitted the following entry.

" I was 17 years old when I bought my first car. I had worked since I was 14 years old and saved my money, since I knew I wanted a nice car. I finally found the one, a 1996 Lexus ES 300. It was maroon and fully loaded, amazing! I didn't even have my license yet. My mom decided to drive my car to work that day (since I couldn't drive yet) and the first day I owned it, an elderly lady backed up and hit my car. Then, 3 days after I got my license, I was leaving work at 11pm, and I was turning left onto a major highway where there was an accident. I got the green arrow and as I was entering the intersection I saw a car coming straight for my driver's side door. The driver was looking at the accident and not the red light! Within 2 weeks, my car was in two accidents. Since then, another person hit my car and a huge tree branch fell on it and crushed the sun roof. My car has been on several road trips and college outings. Amazingly, I'm now 23 years old, still driving the Lexus that has 250,000 miles on it...knock on wood. I would love to buy a new car and that $250 could definitely put me that much closer to being a new car owner! Thanks for reading! "

Well Bonnie, we hope that the $250 you won is going to go towards that new car. Congratulations!

In keeping with our theme of " Firsts", our next contest asks entrants to tell us or show us what they did to celebrate their graduation. The contest is open to anyone between the ages of 18-25. For more details, including the complete contest rules, go to our site at

Preakness- A May Tradition

by Kevin Lynch 14. May 2009

Ok, I admit it. I am one of those rare people who actually likes horse racing. And it doesn''t get any better than this weekend. We have the Black-Eyed Susan running tomorrow and then the 134th running of thePreakness, the second leg of the Triple Crown, on Saturday. Some of the best horses, trainers, and jockeys in the world will descend on Baltimore for these two days.

And who could ask for more drama than this year? You have the winner of the Derby(Mine That Bird), the 50-1 longshot winner, losing his rider to a filly (Rachel Alexandra), now the morning line favorite to win the race. Plus, all the concern about the Preakness's long term future in Baltimore after the bankruptcy filing of Magna Entertainment, the owner of the racetrack.

With that perspective, it is more important than ever to support this event. Even for the casual fan, it is two days of fun and excitement when the world is focused squarely on Charm City. So come on out, enjoy the fun and show your support for this long time, Baltimore tradition. I think you'll be glad you did!

Mobile Banking- Hype or The Future?

by Kevin Lynch 1. May 2009

I recently attended the Net.Finance Conference, a gathering of financial services marketers from around the world. Much of the discussion was around the web channel and new technologies. Mobile Banking was the 'hot' new technology that seemed to be on everyones mind. And why not. Over 157 million U.S. adults carry cell phones with projections of 191 million by 2012(Javelin Strategy,2008). Many of the larger banks have gotten into mobile delivery, including SMS/Text Alerts, Browser-based mobile sites, or down-loadable applications. With the Generations X and Y having grown up with mobile devices, this seems like a natural fit. But adoption, to this point, has been pretty slow. Based on projections, it appears that this will be taking off in the next couple of years.

We are looking very closely at this service for our bank. We recently introduced an iPhone ATM/Branch Locator application that has close to 600 downloads since March. We think that is a pretty good indicator that our customers are ready for a more full service mobile banking solution. We'd love to hear from you. What do you think about mobile banking? Please share your thoughts. Thanks.


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