Have you Googled your financial institution lately? The results might surprise you. Even if your financial institution isn’t active on social media, chances are your customers have mentioned you online, and an Internet search might reveal content that isn't favorable.

A recent survey byVantageScoreconcluded that financial institutions are slow to harness the power of social media and digital technologies. In fact, 28 percent of institutions responded that they don’t monitor any social channels. This is an alarming statistic in an industry where institutions market so heavily on reputation.

Given the number of sites where people can submit online reviews, financial institutions should proactively seek out what others are saying – both to manage their online presence and address any compliance concerns. Start with a quick search on the most popular websites for customer feedback, and where applicable, consider all options for taking greater control. These sites include:

• Yelp
• Foursquare
• Angie's List
• Yahoo! Local
• Google+&Google Places
• FacebookCommunity Pages
• Local News Websites (i.e.WickedLocal.com)

It's worth noting that a widget was recently added to Facebook that links Company Pages to their business profile on Foursquare and Yelp. (If you don’t have this feature yet, keep monitoring your page on Facebook.) Since many NEFMA member institutions already have a presence on Facebook, we should examine two of these sites:

Yelp

Yelpis a popular online guide that helps people find places to eat, shop, drink…and bank…based on the informed reviews offered by locals. More than 86 million people visited Yelp during the last quarter of 2012 to help them make decisions, and while the vast majority of reviews are positive or neutral, some are not so kind. Yelp reviews generally rank well in search engine findings, so financial institutions should definitely pay attention to what is being said.

Thankfully, Yelp offers free business accounts so companies can engage with their reviewers, both publicly and privately. A good place to start is to see if your financial institution is listed on Yelp, and then claim your profile. Once you open an account, you can address any negative comments that might appear in the same way you would handle a complaint on Facebook – by posting a response that invites the person to contact you directly to discuss the issue.

Foursquare

Foursquareis a free mobile app and website used by more than 30 million people worldwide to document the places they’ve been and help determine where to visit next based on recommendations of their friends and connections. Since its inception almost five years ago, there have been more than three billion check-ins, with millions more occurring every day.

Again, just because your financial institution hasn’t established a presence on Foursquare, people have likely already added and checked into your branch locations. Because users have added these locations to Foursquare on their own, the information is not always accurate.

Even if your financial institution chooses to not claim their Foursquare locations as their own, it is a good idea to do a regular search for new check-ins. Visitors to your locations can also post pictures along with their Foursquare check-ins, including photos from INSIDE the branch that could be considered a safety and compliance risk.

Your financial institution might want to establish free location listings to guarantee that the contact information for each branch is accurate. It will also give you more control over the accuracy of the information shared on Foursquare and allow you to encourage check-ins through incentives.

Not interested in having Yelp and Foursquare links prominently displayed on your Facebook Page? You can turn off this feature by clicking "Edit Page,” then "Update Page Info,” then "Basic Information,” and uncheck "Links to Other Places on the Web.

Where on the web have you unexpectedly seen information about your financial institution?

Continue the conversation in the comments below!

While mobile banking helps create a more holistic customer experience, it now seems the service is a vital aspect of customer acquisition.

Last month,The Financial Brandreported in its "Mobile Banking Now Vital to Customer Acquisition” that mobile banking is a required feature for financial institutions today. FindABetterBank.com’s bank comparison tool revealed that 18.3 percent thought that mobile banking is a "must have” feature now, a 63 percent increase from 2010! Even more insightful was the fact that more than 88 percent of survey respondents said they are currently mobile banking users.

Are financial institutions keeping up with demand?The Financial Brandarticle notes that in 2010, less than 30 percent of the featured financial institutions offered a mobile banking app, compared to more than 82 percent that offer the service now.

It seems many institutions agree that mobile banking is a "must have” feature today, but we were curious to learn more. We asked NEFMA member institutions, Dime Bank and Claremont Savings Bank, about how each launched mobile technology — and the banks approached it quite differently.

Connecticut based, Dime Bank was an early adopter of the technology, launching its mobile banking application in June of 2010. This differentiated the bank from local competition — large and small — which were not yet offering mobile services.

"Since we are always trying to add additional conveniences that our customers want, we invested in the technology early on,” said Diane Papadakos, Vice President, Director of Marketing & Sales at Dime Bank. "It also helped us reach the younger generations who were most interested in the service early on.”

To promote the launch of their app, Dime Bank used a combination of in-branch signage, website messaging, statement stuffers, Facebook posts and print and radio advertisements. Though some customers embraced the app right from the start, a significant increase in users came in April 2011 when Dime Bank launched its mobile website. In the two years since the launch, the bank experienced a 1,073 percent growth rate in registered mobile banking/app users.

"This is only the beginning. We anticipate our numbers may triple in the coming years due to high demand and the increased number smartphone users,” Papadakos said.

On the flip side is Claremont Savings Bank in N.H., which just launched its first mobile banking application in February 2013 — a time when 75 percent of their local competitors already offered it. Marketing Coordinator, Jaime Richardson attributed the timing to the bank’s cautious and customer-focused approach to banking.

"We took time to complete our due diligence,” said Richardson. "We wanted to make sure that whatever functionality we offered would be most useful to our customers.”

To promote its new service, Claremont Savings Bank focused its efforts into a four-week, multi-pronged campaign of online advertising, social media marketing, print and radio ads, as well as communications in-branch and on automated teller machines. In July, the bank will make another big push to secure mobile banking users as many students prepare to leave for college or the workforce. Success of these campaigns will be measured in August — and the bank has established a way to track its return on investment.

"Early on, we identified a percentage of customers who would most likely use the product and evaluated Call Center communications to determine who was looking for simple transactions that could be offered via a mobile service,” said Richardson. "Then we attached a dollar amount to those identified customers with a per transaction price, and this amount will be used to determine ROI.”

ThoughThe Financial Brandstory didn’t mention what features of mobile banking were "must have” for users today, the banks we talked to have their own opinions, stemming from the fact that they must stay up-to-date with customer demand. As a result, Dime Bank hopes to soon offer bank-to-bank and person-to-person transfers, and Claremont Savings Bank is exploring how to roll out mobile bill pay and mobile banking for business account customers.

Name:Shelley Regin

Title:1st VP, Director of Marketing and PR

Financial Institution/Company:Country Bank

What I like best about my job:Being able to streamline processes, improve brand recognition AND implementing all the ideas that I have wanted to for the last 10 years and was never in the position to do so! I am so very grateful that I am now! I am where I was meant to be in my career!

First job out of school:Adminstrative Assistant at a Marketing Firm - Monarch Resources. It is no coincidence that I circled back to marketing after all these years.

The biggest challenge my company is facing in the coming year:Watching the bottom line just like everyone else. Being a new person in the position I look at things in a new light. I look at the bottom line and wonder, how does this really benefit the Bank? If it does, I will proceed or I will discontinue the process and look for other avenues that would be more beneficial to the Bank and the bottom line.

If I had an unlimited budget this is how I would spend it:Hiring a great spokesperson that would attract lots of attention.....how about Channing Tatum or Carrie Underwood & Eric Church! Or even better, how about "the most interesting man in the world" the Dos Equis man! "I don't always Bank, but when I do I prefer Country Bank."

Marketing campaign I wish I had done:Capital One's - "No" Baby!

Why I joined NEFMA:I joined NEFMA to meet others in my field. Being new to the position, it is very important to network and get to know how others in this industry are successful and how they do it. I love to hear what other banks are doing and if it is something I could implement at Country Bank. At my first conference I was able to shed some light on some processes for others that we are successful with here at Country Bank.

Number of years as NEFMA member: I am a newbie....just 4 months in, be easy on me! I have one conference down back in & October which was fabulous and I look forward to attending the next one in May. Please introduce yourself as I would love to get to know each and every NEFMA member.

What I like best about NEFMA:Meeting others in the field and looking for ways to streamline, improve and create fun and exciting marketing initatives for the bank.

When I'm not at work you can find me (fill in blank):Can you say work-a-holic? Besides work, I can be found taking educational classes, camping, boating, golfing, running my 13 year old daughter to several weekly dance classes and reading a good book when time allows, which is not often!

My favorite book I have read in the past year:I just finished a biography by someone who searched her own name "Shelley Giard" on Facebook and found me, Shelley Giard Regin. Come to find out she was born and raised in the same town as me and we are not related and do not know each other. Her book "I Need The Happy Ending" by Shelley Giard is inspirational and motivating to never give up even when you are dealt a difficult hand. Shelley lost her sister in a drunk driving accident when her sister was only 16 and Shelley 7. This event changed her life and that of her family forever. She chronicles her life and challenges she has had to face and that she has overcome. She is an inspiration to me and motivates people via her blog daily with her sense of humor and passion for life. We agree that everything happens for a reason and our connection is incredible! We hope to meet when she goes on book tour next month.