12 great bank website features

Partly open laptop computer

What makes an online bank site great? Two elements: functionality and user interface.

Banks have decades of experience with the former, but their approach to the latter often frustrates customers searching for a seamless flow and feel across their desktop, laptop, tablet, PDA and mobile devices.

The good news is, banks are starting to get it (Here are our picks for the five best bank websites.). But it will take some time.

"Online banking still reminds you of those websites that were built back in 1998," says Jacob Jegher, senior analyst at Celent, a financial research firm.

Here are 12 things to look for on your bank's website: