I just got an update from Citibank notifying me of several upgrades being made to their online features. Among the other items noted, they specified that they will allow you to "request PDFs of your statements as far back as 15 years." Note to other banks, utilities, and major service providers: please look at what Citibank is doing, and take notes.
Will I want to see what regrettable purchases I made back in 1992? Not likely. However, being able to go back 2, 3 or possibly even 5 years is absolutely understandable. Although I'm ultimately holding off judgement on their implementation of it (what exactly does "request PDF" mean, exactly?), I applaud Citibank for offering up services that make using their products just that much friendlier.
I mention this because there are many downright horrible online services out there. As a counterpoint, I offer up my city water online "service."
To log in, I must present my account number and my address. That's it. No secret phrase, no user ID. Anyone who's interested in my payment history need only stake out my mailbox and look for my water bill. Once in to the super-high-tech system, I'm offered the following information:
Now, here's the magic question: given the above information, how much do I owe at this moment? $0.00 or $157.12? Only because I've been using this horrific UI for months do I know the real answer. (Hint: it's not $0.00.)
The takeaway (as a developer) is this: make sure to have your application reviewed by an unbiased outsider every once in a while, and look to see what the best-of-breed is up to. Although you may not have the time to implement 15 years of statements, it's obvious that in the above example the developer/developers that created this application never had anyone review the code and/or final product, and may have never even looked to see how other bill presentment applications work.