Advanced online banking features

Here’s an awe­some idea, if I do say so myself. I was look­ing at our bank account online, at our check­ing and our sav­ings accounts, when I thought to myself, it shouldn’t be this hard to save for stuff.

If I can see my sav­ings account online, why can’t I des­ig­nate some of it as “Saved for new com­puter” or “Saved for car down pay­ment” or “Saved for col­lege”? I’m not ask­ing for actual accounts, just vir­tual walls within my sav­ings account. If the bank were to offer pre-determined cat­e­gories, they could do a lit­tle research and maybe offer tar­geted prod­ucts. For exam­ple, if I’m using the “Saved for home down pay­ment” cat­e­gory, they could be sure a mort­gage rate ad shows up on the page while I am view­ing my acconts.

I’m not sure what you would do when a large sum was with­drawn from the account… would the vir­tual accounts be drained in any par­tic­u­lar order? All to the same degree? All by the same per­cent­age of total? I don’t know, let the banks fig­ure that out.

In the mean­time, I’ll bank with you if you can offer me this feature.