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Alternative Online Banks

Bluebird by American Express Does Away with Traditional Checking Accounts

— July 4, 2014 — Tech
Bluebird by American Express is one of the latest banking alternatives that lives exclusively online. Yet unlike ING, GoBank and other Internet-based banks, it simply provides a basic account, issues a debit card and even a book of checks for a small cost. With no monthly fees, overdraft fees, or minimum balance requirements, that is not something a person would scoff at.

Partnered with Walmart to make certain transactions, such as placing a deposit, easier, Bluebird by American Express is completely branch-less. A person can also open up at many as four sub-accounts, which can be used to separate expenses or to share an account with family members. With a points reward system and the ability to conduct regular banking transactions, it is poised to be a great alternative.
Trend Themes
1. Online Alternative Banking - Bluebird by American Express is disrupting traditional checking accounts by offering a branch-less, fee-free, and customizable online banking experience.
2. Debit Card Banking - Bluebird by American Express is innovating the banking industry by providing a basic account, a debit card, and even a book of checks for a small cost, appealing to customers who prefer alternative banking methods.
3. Reward-based Banking - Bluebird by American Express is leveraging a points reward system to attract customers, revolutionizing the way banks incentivize their users.
Industry Implications
1. Banking - Bluebird by American Express is disrupting the traditional banking industry by offering an alternative online banking experience.
2. Retail - Through its partnership with Walmart, Bluebird by American Express is simplifying transactions and providing convenience to customers, revolutionizing the retail industry's approach to banking.
3. Fintech - The introduction of Bluebird by American Express is an example of how financial technology companies are transforming banking by providing innovative solutions and services.
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