This is one of the trade-offs of our underlying module architecture. Modules let us create completely self-contained features -- skip-a-pay is just one example -- that can then be linked to from anywhere else in the application. You might want to promote something via a banner add, or put it on your "feature of the week" menu, or even add a link from the master menu.

But in order for that to work, the module must be able to function even if it's not coming from a list of loan accounts. We call that a "standalone contextual" module, which means it needs that extra starting page so it can be launched from anywhere.

The nice thing about this is that it does offer an opportunity for further marketing, even if it's just to let the member know what other loan accounts they have that might be eligible for skip-a-pay (or Modify My Payment, or Order Checks, or whatever the feature is).