With a lower demand for consumer loans, together with tightened lending standards and increased regulation, banks will have to continue cutting back on their expenses throughout 2010.

To some it may seem counter-intuitive for a bank to launch an app that encourages user to not use money, but that is exactly what the “Swap a Solid” Facebook app from SunTrust Bank aims to do.

-From now until December 31, 2008, get a $50 gift card or $100 towards a charity of your choosing, when you open a personal or business account with SunTrust Bank. This is in line with SunTrust's commitment to building community involvement. To enroll, go to SunTrust Bank. -Choose from a number of qualified checking accounts or business checking from Comerica Bank, and receive a $100 Cash and Care Card towards any local charity of your choice from now until August 29, 2008. Click here for details. Current customers can also qualify.