Most people arriving here want to sign in. The concept puts that first and the marketing second.
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A consumer bank is judged on how quickly someone can finish a task. This concept keeps the brand's navy, red and white — and the proportions between them — while cutting the number of decisions on every screen.
The site carries an enormous product range — checking, savings, cards, mortgages, auto, small business, investing — plus education, security and branch services. Everything a customer needs is present. Finding it takes too many steps.
This concept reorganises the homepage around the four things people actually arrive to do, gives every product page the same comparison structure, and keeps the brand's colour ratio intact rather than flooding the page with navy.
Navy and red are recognisable because they are rationed. The concept holds the same balance on every screen: white does the work, navy structures it, red appears only on the single most important action.
The hero asks one question and offers one action. Below it, the four common tasks, then products grouped as they are in the customer's head, then education and branch services.
Anyone on this page is choosing between three accounts. The table gives them the monthly fee, the minimum, and the ways to waive it — in one view, at body size.
Card pages fail when they show everything at once. This one puts the filter above the list and states the two terms people actually compare.
Most mobile visits are existing customers checking a balance. Sign in sits at the top, the four tasks follow, and every row clears 44px.
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Fold Design takes on a limited number of redesign projects each quarter.