We recently converted to a new bill pay service in online banking. In the past, this would have generated a large number of calls to our Call Center. However, one of the customer service features available now is online chat. This has proven to be a real benefit for customers who can get answers to "how do I...?" questions in real time as they are paying their bills. Now that the conversion is complete, we expect this will also benefit our new customers as they begin to use the service for the first time. Online customer service has certainly come a long way in just a few short years.