Commerce Bank then offers its customers longer banking hours and freedom from annoying fees.
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Commerce is well known in the New York area for consumer-friendly services like weekend banking hours and coin-sorting machines.
Other Japanese banks are now getting their acts together, from dealing with bad loans to changing banking hours to better appeal to customers.
Since arriving at JPMorgan Chase through a merger in 2003, Dimon has spent hundreds of hours trying to rid the investment-banking division of unnecessary expenses and improve its performance.
Questioned for more than two hours, Mr Cummings addressed the lack of banking expertise at the top level of HBOS. He was one of only two qualified bankers at the top tier, and denied it was "a cosy club" for the two of them approving each other's business.
But when I was working in the area of investment banking I was putting in very long hours and it became increasingly clear to me that if I was devoting that amount of time and energy to something, then I wanted it to be devoted to something that would have a bigger and positive impact on the world.
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Additionally, you'll find a two-inch QVGA display, mobile banking abilities, 160 minutes of talk time (300 hours in standby), and a mysterious "biorhythm" function to boot.
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The recent rash of distributed denial-of-service attacks on large American banks has disrupted the delivery of banking services to consumer and commercial customers over the Internet for hours at a time.
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New financial regulations will force low- and moderate-income Americans out of the traditional banking system, according to a panel of banking analysts at a gathering of more than 600 Wall Streeters on Thursday just hours before the Senate was expected to approve the financial regulation overhaul bill.
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It took 14 hours of talks that lasted almost until dawn on Thursday for EU finance ministers to finalise the banking deal.
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