It's definitely the thought that counts as community banks determine where to allocate their limited funds for technology. Most community banks are taking a conservative approach to making technology investments, and while their focus isn't on cutting costs per se, they definitely hope to keep expenses down. Before implementing any new technology, community banks need to gather intelligence both internally and externally to ensure they're allocating resources to the areas most important to staff and customers. Keeping costs down also means separating needs from wants. As community bank CEOs get more tech savvy, Mark A. Eich, principal, information securities for the Minneapolis-based consultancy LarsonAllen LLP, says, they are pressing their IT staffs to distinguish between the two. A case in point is whether community banks need or want to offer remote deposit capture to their business customers. In some instances, replacing older technology with new solutions might not only keep costs down but improve customer service and make better use of staff.