First IB invested its resources in building the best Web site it could design and then followed a process of continually adjusting the site’s design and the services offered to respond to customer comments and requests. For example, First IB create a frequently asked questions (FAQ) feature that reduced customer inquiries dramatically. It was also one of the first banks to offer statements and check images online. In 2004, The bank began to make check images available online the day after the check cleared (the industry average delay at that time was four to seven days). The bank has consistently received excellent reviews of its services by online business rating agencies and in the press.