There are plenty of companies out there that do Social Media well. We know who they are. Zappos, Comcast, Dell, Ford, and hundreds more. The list gets bigger every day.

But, after reading this article back in January, I was intrigued. I waited to hear about how banks were scoring big with social media. But, I didn’t seem to hear the same excitement that was generated by, say, Frank, over at twitter.com/comcastcares.

Now, admittedly, I just started following some of the banks on twitter, and the two ones I noticed and liked are:

http://twitter.com/bofa_help
http://twitter.com/ask_wellsfargo

They are good at customer service, but at the end of the day, you really can’t get much done in 140 characters with a bank, right?

I just don’t see them being that social. It’s where you cash you check, deposit some money, or hit the ATM.   Banking, for lack of a better word, is a commodity. Do we really need a tweet from EastWest mortgage telling you about the latest interest rate on a jumbo mortgage? Does a bank need a facebook page to convince you to buy a Red Sox-branded credit card?

When I walk in to my bank, they know my name, shake my hand, and genuinely like having me around. I don’t think a bank can duplicate that feeling with social media.

I do see these banks continuing to listen through social media, and that’s about all they can really do now. Take the rants and the raves from angry customers, distill that information and address it internally, don’t just don’t try to save the day by addressing my concerns online. It’s our money you’re talking about.

Tyson