When people visit a bank’s website or mobile app, they often use the search box to find quick answers. Understanding what terms customers look for most can help both bank professionals and everyday users find information faster. Based on real data from industry research, these are the top 20 words and phrases people type into bank websites and apps.
Below, we’ll break down each term in plain language and give helpful links for more detail when needed.
1. Banking Routing Number
A routing number is a unique nine-digit code that identifies your bank in the United States. It’s used for things like direct deposit and electronic payments.Wikipedia
👉 Learn more: Routing transit number — Wikipedia
2.Banking Overdraft Protection
Overdraft protection helps prevent payments from being rejected if your account balance isn’t high enough. It usually links another account or a line of credit to cover shortfalls.HSBC USA
👉 Learn more: Understanding common banking terms — HSBC
3.Banking Order Checks
People search for “order checks” when they want to request new paper checks from their bank. Even in the digital age, many consumers still use checks for rent, gifts, or bill payments.
4. Banking Skip a Payment
Skipping a payment means delaying a loan payment (often for an extra fee or under a special program). Banks sometimes let borrowers pause a payment for one month.
5. Online Banking
This is one of the most commonly searched terms. Online banking lets you manage your accounts through a website or app — checking balances, transferring money, paying bills, and more.
👉 Learn more: Online Banking ePayments — Wikipedia
6. Wire Transfers
A wire transfer is a way to send money quickly from one bank to another — either inside the same country or internationally.
7. Credit Card
People often search for credit card information to check balances, payments, rewards, and offers. A credit card allows you to borrow money up to a set limit and pay it back later.
8. Open Account
This phrase is about opening a new bank account — whether it’s checking, savings, or another type of account.
9. Banking Account Number
Your account number is a unique code that identifies your personal bank account. It’s used for direct deposit, automatic payments, and online transfers.
10. Banking Direct Deposit
Direct deposit lets your paycheck or other payments go directly into your bank account without checks. It’s fast, secure, and convenient.
11. Banking Rates
When people search for rates, they usually want to see current interest rates — on loans, savings accounts, and certificates of deposit (CDs).
12.Banking Address Change
Consumers often need to update their address after moving. Banks make it easy to search for “address change” so you can update your contact details online.
13. Banking Loan Rates
This term refers to the interest rates on loans like mortgages, car loans, or personal loans. Many people compare loan rates before borrowing.
14. Banking Debit Card
A Banking debit card lets you spend money directly from your checking account. It works at stores, online, and ATM machines.Wikipedia
👉 Learn more: Debit card — Wikipedia
15. Banking Check Card
A check card is another name for a debit card — especially when used at stores or ATMs. It’s basically the same as a debit card
16. Banking IRA
An Individual Retirement Account (IRA) is a savings account with tax advantages that helps people save for retirement.
17. CD Rates
CD rates refer to the interest rates on Certificates of Deposit — savings accounts that lock in your money for a fixed period with a higher interest return.
18. Banking Hours
This term is simply about finding a bank branch’s business hours — when you can visit in person.
19. Mobile Deposit
With mobile deposit, you can use your phone’s camera to deposit checks into your account without visiting a branch.
20. Login
This is the portal entry point for online or mobile banking — where customers enter their credentials to access their accounts.
Why These Terms Matter
These terms reveal what consumers really need when they visit a bank’s digital space. Whether it’s checking account details or finding out how to use a service like mobile deposit, these searches show the real questions people have.
Banks use this kind of data to organize their websites more clearly and make sure users can find what they want fast. If you’re a bank customer, knowing these terms helps you navigate online banking with confidence.
Bonus Tips for Bank Users
Here are some extra pointers to help you use bank websites smarter:
Use Short, Clear Terms
When searching on a bank site, short terms like “routing number” or “direct deposit” often work better than long sentences.
Keep Security in Mind
Always log in securely, and avoid saving passwords on public devices.
Try the Mobile App
Many services — like mobile deposit and account alerts — work easily through your bank’s app.
Helpful External Resources
Here are a few trusted links where you can learn more about banking:
Instant Loan Approval in Ghana: Fast, Easy & Secure Loans You Can Trust in 2025
- Routing numbers explained: Wikipedia article — https://en.wikipedia.org/wiki/Routing_transit_number
- Online banking basics: Wikipedia overview — https://en.wikipedia.org/wiki/Online_Banking_ePayments
- Banking terms glossary: HSBC Financial Wellness page — https://www.us.hsbc.com/financial-wellness/understanding-common-banking-terms/
- Debit card explanation: Wikipedia article — https://en.wikipedia.org/wiki/Debit_card