Tuesday, October 21, 2014

The New Web Branch is Here

The New Web Branch is Here
The new Web Branch experience began rolling out today. Members will receive an email over the coming weeks with an invitation to upgrade.

But, you don't have to wait for the email. If you would like to get in before receiving the email, you can. See my earlier post on how to get into Web Branch today.

83 comments:

  1. Loving the changes guys. The new Web Branch is slick and useful. Great work!

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  2. I just tried the New Web Branch and it looks great!. However, I won't be able to use it as it does not allow me to download my transactions in a format compatible with YNAB. The csv isn't formatted correctly. I'll have to continue using the old web branch until this is updated. Thank You

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    Replies
    1. Thanks for reporting this. We will look at it right away and correct it if necessary.

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    2. Has this been corrected? I'd like to use YNAB, and this would be a huge hassle.

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    3. This issue was reported during the beta of the new Web Branch experience in October, 2014. We are not aware of any issues with the CSV download available in Web Branch at this time.

      If you find this to be an issue, please contact us and we can look into it.

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    4. Are there any plans to allow a direct connection to Web Branch from the YNAB interface? Download seems to work, but direct, live connection would be more convenient.

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    5. We do not have any plans to support third party connections to Web Branch data due to security requirements.

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  3. What now? I was sent an email with a link to http://uwcu.us7.list-manage2.com/.... and it links me to a site where i enter my banking credentials? which seems to be classic phishing.

    Then i come the uwcu's site and see that there is a new site, but it's not clear how i would "upgrade".
    So is this phishing or is this a really good way to get people used to falling for phishing?

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    Replies
    1. We include your security phrase in all automated emails so you can validate they are coming from us. Phishing emails would never be able to reproduce that. The link is for tracking purposes and is common across the industry.

      Since you are on the blog, just follow the links in the posts about new Web Branch to upgrade today if you aren't comfortable using the email.

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  4. Yes, the security phrase is there, but it's in the footer of fairly graphics intensive email. I think the point is still that we try to train people to not click on links they get in emails from their banks if the link's address isn't the bank's address. To me, this trains people to be susceptible to phishing attacks. I think that the credit union should always be working to train people to be more secure, not less.

    Having said that, i really like the new site.

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  5. While I appreciate the work you've done, I have to agree with the anonymous posting on 10/23 at 11:48 A.M. Given the number of significance breaches of late, it is actually possible that a hacker could have our security phrases. Also, it's just not good form to confuse people with messy, non-identifiable URLs given the amount of phishing going on. Thank you for listening.

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  6. I haven't gotten an email to join and I am a UW Credit Union member.

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    Replies
    1. Emails are going out over the next few weeks. If you want to get in early, please see above in the post for a link to upgrade now.

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  7. You sure complicated bill-pay. It appears many more steps involved. Limiting pending to 10 is not enuf. I pay my bill once per month and used the confirmation report with the total to post to my register. I am very disappointed with this new format.

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  8. In general I like the updates and new features. What I don't like is that on my iPhone there is less (important/useful) content on the screen. Especially in the accounts, like checking for example, when it first loads you only see one transaction and the even when you scroll down you only get 3 max. The old one would easily show 4. It's a ledger, I want more in view not less. Little things could fix that like why is there a bar with today's date? Every device that people use shows date and time, I don't need a reminder when I'm checking my transactions... I need to see my transactions. Right?!

    Otherwise I think it's nice, more features... I especially like where is shows my latest credit score! Nice to know!!

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  9. Overall, the changes are nice. It takes some getting use to however. I went through 2 or 3 pages trying to figure out how to pay my auto loan and I would consider myself as being tech savvy. Still, I like the new website.

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  10. The new Web Branch does have some nice updates and features. However, ability to hide accounts was one of the features I loved and was left out for some reason. I have quite a few accounts and it really helps me visually with budgeting as well as hiding some accounts I don't care to see (i.e. closed accounts and reserved lines of credits). It was also nice to be able to see the upcoming transfers all the time on the sidebar and not have to switch back and forth between the dashboard.

    All in all, I think it's a step in the right direction but could use a little improvement. The mobile responsive interface is vastly improved. Good job!

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    Replies
    1. I agree re: hiding accounts. I like that feature.

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    2. Yes - not being able to hide accounts is a very unfortunate change...

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  11. I like the new Web Branch. The one feature I miss is being able to see the pending credits to my checking account and the balance once the check would clear. If trying to live on a budget it is a nice feature.

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    Replies
    1. We did not remove Pending Items. That section might be collapsed in your account history. Look for the gray bar that says Pending Items and click/tap to expand it.

      We have plans to further enhance Pending Items in the future. It is a great budgeting tool that can add tons of peace of mind.

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    2. I LOVE Pending items. It has completely changed and improved my ability to budget and keep tract of my money and expenses!!!

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  12. Wow. Huge change. Very Nice. I also bank with Citibank out of IL and the old web branch and the new blow their online banking out of the water. My only question is what happened to the links to all the accounts that I could add in the old web branch? I was able to administer all my accounts through web branch. I'm running blind! :(

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    Replies
    1. Thanks for your compliments. If I'm following what you are referring to it is the quick links widget on the old Web Branch in the tool bar. That feature was not redeveloped for the new Web Branch because very, very few members used it.

      You can temporarily "downgrade" to the old Web Branch to retrieve those links. The downgrade button is in the Profile & Settings section.

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  13. I notice that the only way to download transactions is as a CSV file. I've been downloading transaction data with OFX until now. Any chance this will be added as an option?

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    Replies
    1. Yes, we are working on adding the other formats. They should be available in a week or so.

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    2. Excellent. I look forward to the other formats. Thanks.

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  14. It would be nice if on the page where one enters the VerifyU code the cursor was already in the entry box. I think the old web-branch worked that way.

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    1. We will take a look at that and see if we can make the cursor default into the box.

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  15. Neither my Yodlee account (combines alll financial accounts in one online "place") nor my Fidelity account that uses Yodlee as the backend can link to the UWCU accounts (credit, checking, saving) since the new WebBranch was launched. Can you look into that? THanks.

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    1. We do not have relationships with either of those companies. You, as a customer of theirs, will have to contact them and let them know they need to fix their data import.

      You could tell them that if they would like a supported data feed (rather than screen scraping our site), they can contact us and we can work through that. The data feed won't break when we make changes if they gain our permission to access our site on your behalf and use our supported feed. Mint does this already.

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    2. Just curious: when I provide log in ID and password and double-authentication ID number (text to my cell phone from UWCU), why isn't that enough to authenticate their access to the data feed?

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    3. Aggregators who are accessing our site without our expressed permission (which is all of them other than Mint) are simulating a login as if it were a person using a web browser. Whenever changes are made (even small ones like a button being moved or renamed or big ones like a site redesign), it breaks their code. So they have to go in and make adjustments to accommodate any changes being made.

      With an agreed upon relationship and access to our data feed, we just provide the raw history and balance data. Those things are independent of the design of the site so they do not break with changes made to the site.

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    4. Eric: how can the online service contact you? What's a good phone number or email address? (I assume you don't want to do it through this blog.) Thanks.

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    5. If they call our main number: 608-232-5000 and ask for me, the call will get routed to me.

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  16. Ok, got it. I appreciate that information. I"ll pass it along.

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  17. I think it's a step in the right direction, but I have two immediate issues with usability.

    1. I would very much prefer the hover state on the dark gray accounts panel to be something less jarring than reverse type set on bright blue. The rest of the links on the page are done well. Would you consider something similar for accounts – maybe a shift to darker gray instead of blue?

    2. Account names are not as important as account balances. It used to be easy to see at a glance how much I had in each account. Would you consider making the account names smaller and the balances larger? I don't have a perfect solution in mind, it's just tougher to discern balances at a glance.

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    1. I'd like the account names and amounts closer together. When I look at them on my laptop they are spread several inches apart, and it's hard tracking accurately. I haven't tried it on my phone, maybe it's better for mobile devices. But it's harder on a larger screen.
      Perhaps adding lines or altering grayed bars and non-grayed bars (I hope you understand what I mean) would make it easier to track.
      Thanks for listening.

      Delete
  18. I like the new Web Branch, however I couldn't find the option to order checks in the new layout. I switched back to the old format...ordered by checks and now want to switch back. Please tell me how to me how to do that.

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    Replies
    1. Karen,

      The link to order checks is available via the More Services menu on your checking account. We are working on adding this elsewhere to make it easier to find.

      Use the link in this blog post to go to my earlier post. That post has the link to upgrade to the new Web Branch.

      Delete
    2. Thank you for this information, however that was not my question. I switched back to the old format so that I could find the order checks options-which I did find was able to order checks. Now my problem is that I want to switch back to the new web format, but can't find a way to do that.

      Delete
    3. Sorry, I referred back to an earlier blog post for the link to upgrade. Here is is directly:

      https://webbranch.uwcu.org/wb/login.aspx?upgrade=1

      For others reading the comments, please take a look at the More Services menu for each of your accounts. There you will find all tools and services related to that account. Ordering checks, travel plans, transaction disputes, etc.

      Delete
  19. Most of the changes are great but web pay took a step backwards and needs work. I pay bills once per month and with the previous UI that was efficient but now each web pay must be entered individually passing through multiple screens. That's added 2 clicks per web pay. Please add a batch mode for web pay.

    When starting a new web pay default the cursor into the payment amount field.

    There is no longer a clear place to see the total amount of upcoming web payments. The "Upcoming Web Pay Activity" screen should have a total at the bottom. Without it I had to go to the account sourcing the funds and open the pending transactions drawer to see what the account balance would be before going back to schedule the remaining payments. It made for a very disjointed workflow.

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    Replies
    1. We are working on multipay (batch mode) for Web Pay. It should be in this week.

      I agree we should show totals on the activity screens. I will add that to the enhancements list.

      You mention using Pending Items to see your upcoming payments. I encourage you (and all members) to continue to give that a try. It is a very efficient way to stay on top of your future balance and you can edit the items right from your history. We will be enhancing Pending Items further later in 2015.

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    2. The issue with pending items is it's in a completely different place than the web pay screens. If you want to encourage it's use you would need to link to it from web pay, or better yet actually show an account view from web pay with pending transactions open already. For me that would work well. If you were paying using multiple accounts it may be trickier.

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    3. Multi-pay was added to Web Pay last week. We also added totals on all the activity summaries.

      Thanks for your feedback!

      Delete
  20. I realize that I am in the minority. I manage multiple profiles and multiple accounts (segregated accounts) within a profile. And I do not own a Smart phone. The new dashboard does not do me any favors. While I know that it is difficult to maintain multiple dashboards - please, please allow users the choice to continue to use the old dashboard into the future.

    Here is only one example of what I do NOT like about the new dashboard -
    The ability to completely turn off a widget. I have no need to see a pie chart of my spending / saving habits. There currently is no option to completely dismiss this as an option. And there are other widgets I do not to see either like the current interest rates. Let me opt out / dismiss unwanted widgets.

    Again, please, please allow users the choice to continue to use the old dashboard into the future.

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    Replies
    1. I THOROUGHLY AGREE. I don't want to see a breakdown of my spending, my saving, or anything about an interest rate. This is just offensive, intrusive, much too personal, and for a person without much of an income and no savings, it is a nagging, depressing, derogatory, constant ongoing INSULT. I want to lose these things. Aesthetically, also, the colors and format are not appealing, the note on money available is not obvious, and I want to see, withdrawal by withdrawal, close together, exactly what has happened to my balance. Is there a "compact" alternative, as there is for Gmail? Better yet, can I go back to the classic mode?

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    2. I ALSO THOROUGHLY AGREE. If you've burned your bridges and can't/won't let your customers go back to the old GUI, please at least let us turn off the useless crap (as defined by your CUSTOMERS who can choose to bank elsewhere) and give us a choices for higher information density and less keystrokes.
      Your choice to force us all to use the new interface without even providing options to make it more like the old one (like gmail did with the "compact" view mentioned above, for example) is presumptuous and offensive.
      I'm a loyal uw credit union member and I've been using web-branch ever since it first came out. This is the first change you've ever made that I consider a giant step backwards.
      Maybe the excessive white-space and plodding step-by-step processes is a sign that your target demographic is new young short-attention-span customers instead of your bread-and-butter loyal long term customers.
      Maybe it's also a sign that your Web Branch leadership staff has changed and the new team felt like they could prove their worth by "fixing" something that wasn't broken in the first place. Or maybe they had nothing to do because the old interface was working well and they thought an un-needed re-design would help job security. If so, that approach may backfire if uwcu loses enough customers because of it.

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    3. I've been expressing the same sentiments ever since the new website was launched. When I'd call to express my dissatisfaction, everyone I talked to made me feel like I was living in the past. I used to praise UWCU's website over other financial institutions, but no more. I want to customize my screen so when I log in, I immediately see the account summary view -- in a much smaller font -- and I don't want to have to click to get there. I also want the dashboard running along the left side of the screen and the calendar and the calculator to be invisible. They are useless to me and take up precious screen space. Also when you're in the detail of an account and you scroll to the bottom, the only way to get to prior screens is to click on "view more". Gone is the ability to see how many pages of past activity you have and to click on a specific page. You have to click through each page, scroll to the bottom, and click "view more" every time. Annoying and a waste of time!

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    4. More customization options will be available in the future.

      For the history pages, it is very inefficient for us to query the entire history database to create the page by page view we had on the old Web Branch. Our history search function is very easy to use and you can find history much faster. Please give that a try.

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  21. The new interface is definitely flashy and colorful, but not useful in the least. I would prefer the old interface any day. It was clear and easy to navigate. This new interface is more difficult to use, especially on a mobile device.

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  22. "User Friendly", much like "beauty" is in the eye of the beholder.

    Simplify key-strokes ; do not add to them. It appears that it takes
    more key-strokes accomplish the same task that I did in one or two
    key-strokes under the old dashboard.

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  23. Why did you have to change it? It worked great before, everything was easy to see. Now all the colors make it hard to find, it takes up more room on the computer screen, and it is no longer intuitive. I wish you'd give us an option to go back to the old interface!!!

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  24. Seriously hate this new interface - so much that I want to go back to getting paper statements so that I don't have to look at it. When I try to do that I find that I will be charged $3.00 per statement envelope!!!

    UWCU -you've lost my business.

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  25. Unfortunately I have to agree with the last two posters. This new interface seemed to solve a problem that I didn't see existed. I was very happy with the old interface and never found anything I couldn't do easily. I've been working on this new interface for a couple months now and I just too cumbersome to navigate. So many things buried in menus and drop downs. The old interface provided a clean method for finding our information and displaying it in a way that made sense. Now on a hand-held you have to do too much scrolling and menu hopping. For example, if you want to do a transfer you are given an option for each account to "transfer from" and "transfer to". Regardless of which of these you pick you are taken to another page where you have to choose the same thing. I also agree that the color scheme is also distracting. So much better in the past with the white background with a light blue hue and clear fonts. The reversed grey background with white lettering and the mauve and burnt orange colors do not pop out, they are just not attractive colors. Just too many greys, mauves, oranges. I know it sometimes takes time to adjust to something new, but I really don't think these are improvements. This simply seems to be a new way to display that is not as clear. I am glad multi web pay is finally available. I don't think this new interface should have been turned up to begin with without that. If you want to "pay bills", you usually don't want to do them one at a time. It's nice to see it is now available, but even with this seeing a snapshot of your planned payments is difficult because you have to scroll down to see them all. But it seems this is what we are going to have to live with so I'll just work to get used to it.

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  26. I think we should have the option to use the old view - it was much easier to read. The new one is really bulky. I also don't like how small the wording is saying when my payments are due - it's hard to find. Can you give us an option to choose?

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  27. Will You be adding a feature that will allow us to alter the color scheme?

    I am losing the my eyesight due to Macular Degeneration and have found that the colors used in the new user interface make it extremely difficult to focus on the text and figures.

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    Replies
    1. Could you message us via secure messaging with more specifics on this? We continue to make adjustments to the new site to make it more useable and readable. That includes better compatibility with screen-readers and other assistive technologies.

      There are browsers/plugins that enable the user to change colors or reverse colors to make web pages more readable. Are you using anything like that?

      Thanks for the feedback.

      Delete
  28. Sorry, it gave me a headache on the laptop looking all over for numbers and columns. It used to be tighter and easier to follow. Maybe this works on Smartphones, but on my computer screen, it is all over the place and HARD to follow. It reminds me of when we hooked the computer to the TV screen EVERYTHING IS JUST TOO BIG!

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    Replies
    1. I agree with this person! I like the new format on the phone but prefer the OLD format on the computer. Everything really is too big.

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  29. Please make removing/customizing widgets a priority for the next update. Intensely dislike the pie chart, rate tracker, and savings goal widgets.

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    1. The dashboard and widgets are the biggest new thing on the new Web Branch. We have plans to continue to enhance them and add to them. We will likely add the ability to remove them once we have a few more available.

      The majority of widgets are customizable. You can choose which accounts are shown and how many items appear.

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    2. To repeat: The widgets -- what a stupid name! -- are intrusive, offensive, too personal and for those of us who can't save and whose expenses are all for necessities and none for fun, a constant ongoing reminder of our problems, which is absolutely unnecessary and thoroughly insulting. Did nobody in your management think how it would feel, before deciding to rub your customers' noses constantly in the private details of their financial choices and constraints? This is rude. Please allow us to remove these things... but I am afraid the damage has been done.

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    3. "The dashboard and widgets are the biggest new thing on the new Web Branch." Well, I agree with that, but what a sorry statement it is! (Hello? Nobody wants or likes them.) It's upsetting to think how much uwcu members paid for fluff we don't want or need. I'm sure most people appreciate the need to keep back-end infrastructure current, but the typical approach is to make the transition as seamless as possible (to avoid losing angry, frustrated customers) instead of turning it into a major upheaval with no discernible gain (beside those precious widgets, of course). I'm pretty sure I can guess what most uwcu members would say if asked whether they'd like to pay web developers to create a brand new interface from the ground up, or instead have those funds go towards - oh, I don't know - better interest rates? Personally I'd trade that "biggest new thing" for refrigerator magnets or free lollypops on Wednesdays if it meant I could get the old interface back.

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  30. I have been using the new web branch for a few weeks now and I really can't get used to it. Is there anyway to switch back to the old web branch?

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    1. We chose to give members time to adapt to the new Web Branch rather than cut everyone over in a day. We also had the opportunity to revert back in case there were issues we hadn't addressed. We have made lots of updates and added back in functionality that members said was missing.

      At this time, the new Web Branch is the only Web Branch for those who have converted. The old Web Branch is built on technology that is over seven years old and it is time to move to a newer platform. The remaining members will continue to be converted over the next two months.

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    2. I am sure you could have moved to a new platform and kept the machinery out of sight. To force us long-term online bankers to use a format we had no part in shaping, and to provide no alternative and no apology, is too authoritarian.
      Besides, I don't like the colors: they are hard to read and they are not serious. I had a bank, now I feel I have a department store, carefully designed by trained specialists to conform to the latest thing in commercial interfaces. We don't want novelty and flash in a bank. We want stability, solidity, and responsiveness. Bring back my Bank that I liked and trusted!

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    3. Well put. "Authoritarian" is an apt description. Seriously, did anybody who used the old interface ask for these changes or is this an attempt to attract new customers with a pretty "user friendly" (lol) interface? My trust has also waned because of it. Are other choices also being made on my behalf that I'm unaware of?

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    4. My first thought was this is an attempt to mirror Social Networking's slick looking interfaces. I truly dislike and am considering moving my business. I have truly enjoyed my relationship with UWCU, this is a shame.

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  31. Wow. I just discovered that I no longer have access to the old Web Branch. Very disappointing. I find the new Web Branch so unusable that I may need seriously to consider switching my regular online banking to another bank. I could access almost anything I needed on the FIRST page of the old Web Branch. This one requires clicking, searching, and very little useful customization. Do I REALLY need to be required to see your daily rates? That's just a built-in advertisement that I can't hide.

    A very big disappointment. And it is just a mess on an iPad: it is clear that this version is meant to view only from smartphone. On the iPad or on a desktop screen there are only gigantic buttons and so much wasted space.

    There is a reason to make a real MOBILE app rather than change the whole website to look good on a smartphone and then build an app that directs one to the site.

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  32. I really don't think UWCU is listening to it's members. I also believe that they are deleting posts - my previous post is gone, and it criticized the new interface. Why won't you listen to your members? Do you want us to go somewhere else?

    ReplyDelete
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    1. No comments have been deleted. Due to the amount of spam blogs receive, I must read the comments before posting them--so occasionally there is a delay.

      We very much listen to our members. See the latest post on Year End Reports to see the list of additions to the new Web Branch based on member feedback.

      With, as of this writing, over 108,000 members using the new Web Branch, it is inevitable we will receive negative feedback on a change this large. I have addressed the feedback here and in the previous post on the new Web Branch. There isn't any more to say at this time. I will continue to post comments--negative or positive--and you can rest assured I read every one.

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  33. I have been holding off on the upgrade as long as I can, and it seems I was upgraded today with no option to back out. I understand you wont be able to support two platforms.

    One of the reasons I loved UWCU was the ease of use of the web branch. It was simple and straight forward. The new web branch seems like it was created with Social Networking users in mind. Its pretty, its slick, but I feel like that's the extent of it. Its no longer straightforward and simple to use.

    I am strongly considering taking my business elsewhere for this reason.

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    Replies
    1. As expected, after using it for a few weeks, I am getting used to the new layout :)

      Delete
    2. Neil, thanks for letting us know you have reconsidered. We hear lots of initial feedback which is sometimes negative, but don't always hear back.

      It was a huge change and we do not take subjecting members to this amount of change lightly. Our goal is to evolve the site going forward so the need for a huge overhaul will be unlikely.

      Delete
  34. I can't find the option to reorganize my "deposit accounts" with the new webbranch. In the old one, it was very simple to just drag & drop. I couldn't find any information in the HELP section either.

    ReplyDelete
    Replies
    1. You can organize the sections on the Account Summary and your Favorite Accounts will be at the top of each section. Arranging individual accounts within the account sections isn't possible on new Web Branch.

      Delete
  35. Starting a few weeks ago, I've been unable to login to either the old or new Web Branch using any browser. I believe it's my company's security settings. It tells me that your site uses an unsupported protocol or cipher suite such as RC4. I work for a large government vendor with a fairly advanced security infrastructure, so I wonder if I'm the only one for whom the web login no longer works. Any plans to change this?

    ReplyDelete
    Replies
    1. We recently upgraded our certificates and our available cipher suites to a newer and more secure technology using elliptic curve cryptography. We are confident that our cryptographic configuration meets industry standards and is verified by third parties such as Qualys SSL Labs. We have a few isolated reports of connectivity issues after the change, including connections behind corporate firewalls. We are investigating to determine if any changes are warranted.

      Here is a link to a scorecard regarding our certificate. As you can see, we score an A--which we strive for given the sensitivity of the data we are securing.

      https://www.ssllabs.com/ssltest/analyze.html?d=webbranch.uwcu.org

      Delete
  36. It would be great if the UW Credit Union allowed me to auto-import my purchases into YNAB like all of my other accounts do. Any plans here?

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    Replies
    1. These services use a third party for their integration. Those services do not ask permission or have any kind of formal agreement to import data. We are not preventing them from auto-importing.

      Delete

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