'No bull'

About eight months ago Edward Luecke, market president for Bank of America's Sarasota-Manatee region, asked what he thought was an easy question at a meeting.

The query: Who in the room, of about 20 employees, could text Luecke $1 over the Bank of America smartphone app? The answer: two people.

That jarred Luecke. “We are in the business of helping people make their financial lives better,” says Luecke. “If we aren't doing it, how can we expect our customers to do it?”