J&J Banking aims to address overdraft fees by providing a banking service that detects the exact funds available when a card is swiped. If funds are insufficient, the card will decline instead of incurring an overdraft fee. The value proposition is to notify customers of their balance in real-time to avoid fees. The unique selling proposition is to put customers first by offering banking without harsh fees through new technology that considers customers' needs over just profits.

1. J & J Banking By Jessica Jalca

2. CompanyPitch Market: Public Banking Service Market Problems: Being charged ATM fees for use in a non member ATM, charges from ATM and Bank. Deposits made after a certain time will not be posted until the next business day even though the bank is still open. Being able to swipe card when no money is available and then being charged an overdraft fee. Competition: Bank of America Wachovia Washington Mutual/ Chase Quotes: “In case of emergency I am obligated to use a non participating ATM which in turn I will be double charged, once from the ATM and another from the Bank”- Peggy Cabrera “It’s really annoying to have a bill due and you can’t get to the bank until after 2pm but the bank is still open but your funds are not available until the next day, it’s ridiculous.” – Mike Badal “Me and my spouse share an account and like most men they never tell you when they bought something and your assuming the funds are available make a purchase and your card goes through but then you check your balance the next day and realize you have an overdraft fee, but your card was never declined” –Gabriella Ortiz Market Problem Chosen: Being able to swipe card when no money is available and then being charged an overdraft fee.

3. What is your value proposition? The value proposition that we would provide the customers with the new technology that detects that exact amount of funds available when a customer tries to use a card, and if the funds are not available at that moment then the card would be declined and the register that it was swiped at would give you a receipt with the amount of money currently available.

4. Your Company's Unique Selling Proposition To provide customers with easy and fresh banking opportunities without the harsh fees. The plan is to put the customers first not profit only business strategy.

5. Income statement

6. Work in Progress… Will add to this business portfolio…