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Welcome to the 16th annual Bank Monitor Awards, which highlight the best online and mobile banking account tools and features offered by firms in six key areas. The categories selected for this annual report cover private site features, including the account maintenance capabilities that most impact the customer experience. In this report, we provide examples of the best in class for each of the online and mobile app tools covered and explain why we consider these features to be industry leaders. We distribute awards in gold, silver or bronze based on the quality of outstanding features and tools.