Wawa is a very successful chain of convenience stores located in the Philadelphia area which has expanded into a number of states in the Mid-Atlantic region. Wawa has a great partnership with PNC Bank, wherein PNC runs the ATM network inside all Wawa stores. For years they’ve had “no charge” ATM fees for Wawa customers, so regardless of who your bank is, there is no charge for using the ATM. (Of course, this helps drive traffic to the store – get some cash, and while you’re there, grab a hoagie.)

There’s a great user interface feature on the PNC ATMs that I’ve never seen on any other network. Once you do a transaction, the ATM will ask you if you’d like them to remember this as your preference for the future. What PNC has realized is that when most people go to the ATM, they get the same amount of money every time. Whether that’s $40, $100, $150, chances are that you’re plugging in those same numbers each time.

To speed the process, they simply ask you: “We notice that you just plugged in $100; would you like this to be your default amount for future transactions“? If you say yes, then it’s all set up. Right now. I basically slide my card in, put in my pin number, and it comes up and prompts me: “default amount” or “other”? I press one button and am done. And by the way, that also includes language preference. Most ATM machines now prompt for multiple languages but again, why confirm your language preference for every ATM transaction?

Small steps, yet so simple and so brilliantly executed that you have to wonder why every ATM doesn’t do it. Kudos to PNC!

Think about this today: What steps or requirements or hoops are you putting your customers through that are unnecessary?

My wife goes to our local bank to make a deposit in the ATM. The rain has soaked the deposit envelopes stored outside. She walks into the branch to let someone know. She approaches the teller line, where there is a short line. A woman sitting at a nearby “Customer Service” desk asks brightly, “Hi, is there something I can help you with?”

“Yes, actually. I wanted to make a deposit at the ATM outside – but all the envelopes are wet from the rain.”

“Hmm. Okay, thank you! I’ll tell Bill to replace them at three o’clock…” She smiles and returns to her paperwork.

My wife looks at her watch. It is one o’clock. She replies, “Well, I think there might be some people who will want to make a deposit over the next two hours…”

The woman looks up with an expression of consternation. “Well, I’m not changing them!”

Without missing a beat, my wife replies, “OK, well if you give me some envelopes, I’ll just put them out there.”

Now the woman behind the desk is perplexed. “Uh no, wait. I, uh, can’t have you do that…..”

The woman puts down her pen, gets up from the desk and approaches my wife. “I have an idea – I’ll just take your deposit and process it myself! I’ll be right back…”

With that, the woman disappears behind the counter for nine minutes. The wet envelopes stayed in their holder that day, and surely the next time it rains they will get wet again.

Is this an example of poor customer service? A crashed user experience? A broken golden rule? Actually, it’s a multi-part service design challenge that points out the importance of understanding “service eco-systems.” From the culture of the bank to service protocols to customer touchpoints to the physical layout of the ATM and building – everything is inter-connected. Service design looks at the big picture to make things better not only for customers, but also for employees. Everybody wins.

Now if you’ll excuse me, I have a call to make…