Though mobile banking, internet banking, and ATM machines are all convenient options to handle some of your financial errands, there are some situations that you really need to interact with a banker face-to-face. However, familial responsibilities and tight schedules can make it difficult for you to make it to and from your bank for an in-person appointment.

An excellent alternative is to schedule a video banking session. A video banking meeting provides the same interaction and discussion as an in-person meeting, but you can attend the session from your own home, your office, or even your automobile. Here are a few financial quandaries that may be solved with a video banking solutions meeting.

1. You Don't Know What Other Banking Products are Right for You

Maybe you have a checking account and a debit card; you know that your bank has other products available, but you aren't sure what options are best for your needs and what the terms and conditions are for your available alternatives. During a virtual session with your banker, you can tell them more about your financial situation and your goals.

Your banker can then make suggestions that will help you meet these goals while minimizing the amount of fees that you have to pay. For example, maybe you want to start saving for a home. With your banker, you can explore the benefits and drawbacks to using a savings account, money market account, or certificate of deposit (CD) to start your down payment fund. You can even start the account opening process during your meeting.

2. You're Carrying A Lot of High Interest Debt

If you have high interest debt, one of the ways that you can lower your overall interest rate and keep more money in your bank account is by using a lower interest option (like a loan or credit card) to pay off the debt. Your available options will vary depending on the strength of your credit score and your available assets. Perhaps a home equity line of credit is a solution to consolidate your debt, or maybe you can take out a personal loan that's at a lower interest rate than your existing debt. A session with your banker can assist you with evaluating your options.

3. You Want to Change Some of the Settings on Your Accounts

After having your accounts for a while, you might need to update some of the settings so that the accounts better serve your needs. Maybe you need to add an automated transfer from your checking to savings account, or you may want to add another person to your account, like a spouse or child. Get the ball started on your banking to-do list with a video banking appointment.