Largest Originators of ACH Payments

+++ Rank Rank Originating Debit 1994 1993 institution Payments

1 1 Chase Manhattan Bank NA, New York 143,013,845

2 2 Norwest Bank Minnesota NA, Minneapolis 60,304,939

3 2 Bank One, Springfield, Ill. 64,354,036

4 4 Bank of America NT&SA, San Francisco 31,413,617

5 5 Wachovia Bank of Georgia NA, Atlanta 15,581,859

6 6 Northern Trust Co., Chicago 18,188,452

7 12 First Union National Bank of North Carolina,

Charlotte 22,731,572

8 8 Citibank (Delaware), New Castle 35,121,426

9 9 Mellon Bank NA, Pittsburgh 10,424,488 10 7 Chemical Bank, New York 15,133,292 11 11 First National Bank of Chicago 13,602,410 12 12 Wells Fargo Bank NA, San Francisco 8,779,200 13 23 PNC Bank NA, Pittsburgh 7,375,409 14 35 KeyCorp/Society National Bank, Cleveland 18,273,028 15 14 Harris Trust & Savings Bank, Chicago 13,622,882 16 15 Shawmut Bank Connecticut NA, Hartford 5,440,642 17 10 Bank One Columbus NA, Ohio 12,374,118 18 17 First Bank NA, Minneapolis 6,983,229 19 20 Bank of America Illinois, Chicago 6,750,197 20 19 First National Bank of Boston 5,293,012 21 18 Texas Commerce Bank NA, Houston 7,489,473 22 30 NationsBank of Texas NA, Dallas 6,405,013 23 21 CoreStates Financial Corp., Philadelphia NA 24 13 First National Bank of Omaha 11,453,907 25 28 First Interstate Bank of California, Los Angeles 2,813,752 26 22 Norwest Bank Colorado NA, Denver 7,756,441 27 24 Wachovia Bank of North Carolina NA, Winston-Salem 7,356,632 28 27 NBD Bank NA, Detroit 3,585,247 29 39 Fleet Financial Group Inc., Providence, R.I. 2,347,646 30 41 United Missouri Bank NA, Kansas City 8,915,970 31 29 Trust Company Bank, Atlanta 10,415,010 32 31 Firstar Bank Milwaukee NA 6,895,413 33 25 Norwest Bank Iowa NA, Des Moines 7,680,698 34 34 Boatmen's National Bank, St. Louis 5,983,602 35 33 First National Bank of Maryland, Baltimore 5,214,418 36 32 NationsBank of Georgia NA, Atlanta 3,692,543 37 37 National City Bank, Cleveland 6,308,336 38 46 First American National Bank, Nashville 8,277,161 39 47 AmSouth Bank of Alabama, Birmingham 6,628,250 40 36 Citibank NA, New York 1,100,000 41 43 NationsBank of North Carolina NA, Charlotte 3,686,433 42 45 Seattle-First National Bank 3,598,704 43 40 Boatmen's First National Bank of Kansas City. Mo. 7,987,408 44 56 State Street Bank & Trust Co., Boston 5,058,374 45 50 First Interstate Bank of Arizona, Phoenix 4,341,230 46 42 Michigan National Bank, Farmington Hills 4,352,031 47 44 Bank One Arizona NA, Phoenix 4,960,506 48 49 Western Bank, Sioux Falls, S.D. 7,906,049 49 38 First Premier Bank NA, Sioux Falls, S.D. 836,135 50 48 M&I Marshall & Ilsley Bank, Milwaukee NA 51 51 First Security Bank of Utah NA, Salt Lake City 3,917,605 52 62 Bank of New York 2,285,254 53 57 First Tennessee Bank NA, Memphis 1,495,308 54 52 NationsBank of Virginia NA, Richmond 2,627,805 55 61 Bank South NA, Atlanta 4,642,788 56 54 Compass Bank, Birmingham, Ala. 6,069,688 57 55 FirsTier Bank NA, Lincoln, Neb. 5,430,290 58 59 Morgan Guaranty Trust Co., New York 1,449,255 59 58 Boatmen's First National Bank of Oklahoma City 5,172,769 60 65 United Jersey Bank, Hackensack 1,302,412 61 60 Comerica Bank, Detroit 1,333,386 62 68 First Fidelity Bank NA New Jersey, Salem 699,468 63 53 Bank One Texas NA, Dallas 2,363,773 64 74 First Interstate Bank of Denver NA 65 67 Bank of Hawaii, Honolulu 2,602,092 66 66 BayBank Boston NA 1,028,435 67 72 Deposit Guaranty National Bank, Jackson, Miss. 4,857,553 68 69 Crestar Bank, Richmond 1,295,816 69 76 USAA Federal Savings Bank, San Antonio 4,603,593 70 82 Commerce Bank of Kansas City NA, Mo. 2,968,657 71 75 Huntington National Bank, Columbus, Ohio 1,656,723 72 84 Bankers Trust Co., New York 953,457 73 83 Sun Bank NA, Orlando, Fla. 1,712,444 74 81 NationsBank NA, Bethesda, Md. 1,361,501 75 78 Chemical Bank (Delaware), Wilmington 75,806 76 73 Union Bank, San Francisco 703,006 77 71 Bank One Dayton NA, Ohio 730,337 78 80 Norwest Bank Nebraska NA, Omaha 3,627,600 79- United States National Bank, Portland, Ore. 1,868,795 80 86 Star Bank NA, Cincinnati 2,114,603 81 95 Fourth Financial Corp., Wichita, Kan. 1,465,130 82 92 National Westminster Bancorp, Jersey City 1,004,507 83 90 Mercantile Bank of St. Louis NA 2,061,258 84 93 Bank of America Arizona, Phoenix 1,146,734 85 70 SouthTrust Bank of Alabama NA. Birmingham 1,857,349 86 89 First Interstate Bank of Oregon NA, Portland NA 87 110 Liberty National Bank & Trust Co., Louisville 1,700,000 88 105 U.S. Bank of Washington NA, Seattle 466,830 89 97 Marine Midland Bank, Buffalo 415,843 90 128 First Interstate Bank of Texas NA, Houston 677,875 91 63 NationsBank of Florida NA, Tampa 693,073 92 99 Wachovia Bank of South Carolina NA, Columbia 1,398,618 93 88 AAL Member Credit Union, Appleton, Wis. NA 94 103 Zions First National Bank, Salt Lake City, Utah 1,169,110 95 94 First of America Bank-Michigan NA, Kalamazoo 1,028,639 96 108 Signet Bank/Virginia, Richmond 1,323,496 97 123 Bank of California NA, San Francisco 1,504,624 98 98 Boatmen's First National Bank of Arkansas, Little 861,553

Rock 99 102 Old Kent Bank & Trust Co., Grand Rapids, Mich. 725,313 100 - First Interstate Bank of Nevada NA, Las Vegas NA Set 2 of 2 Rank Rank Originating Credit Total Annual 1994 1993 institution Payments Payments change

1 1 Chase Manhattan 43,879,129 186,892,974 15%

2 2 Norwest Bank Mi 55,867,838 116,172,777 24%

3 2 Bank One, Sprin 4,308,798 68,662,834 11%

4 4 Bank of America 36,369,324 67,782,941 12%

5 5 Wachovia Bank o 48,901,480 64,483,339 32%

6 6 Northern Trust 29,500,980 47,689,432 30%

7 12 First Union Nat 21,662,012 44,393,584 89%

8 8 Citibank (Delaw 4,789,285 39,910,711 19%

9 9 Mellon Bank NA, 28,370,684 38,795,172 17% 10 7 Chemical Bank, 19,624,283 34,757,575 4% 11 11 First National 16,578,221 30,180,631 9% 12 12 Wells Fargo Ban 20,262,288 29,041,488 62% 13 23 PNC Bank NA, Pi 19,906,680 27,282,089 43% 14 35 KeyCorp/Society 8,250,650 26,523,678 57% 15 14 Harris Trust & 9,806,551 23,429,433 12% 16 15 Shawmut Bank Co 16,012,791 21,453,433 11% 17 10 Bank One Columb 8,787,219 21,161,337 -27% 18 17 First Bank NA, 13,994,397 20,977,626 20% 19 20 Bank of America 12,920,693 19,670,890 28% 20 19 First National 14,276,982 19,569,994 18% 21 18 Texas Commerce 11,871,069 19,360,542 14% 22 30 NationsBank of 11,787,411 18,192,424 56% 23 21 CoreStates Fina NA 17,933,574 18% 24 13 First National 6,345,322 17,799,229 -17% 25 28 First Interstat 13,716,115 16,529,867 30% 26 22 Norwest Bank Co 7,467,657 15,224,098 2% 27 24 Wachovia Bank o 7,829,513 15,186,145 3% 28 27 NBD Bank NA, De 11,470,359 15,055,606 14% 29 39 Fleet Financial 12,661,413 15,009,059 50% 30 41 United Missouri 5,629,115 14,545,085 50% 31 29 Trust Company B 4,304,628 14,449,638 17% 32 31 Firstar Bank Mi 7,404,781 14,300,194 27% 33 25 Norwest Bank Io 6,203,926 13,884,624 -3% 34 34 Boatmen's Natio 6,852,012 12,835,614 19% 35 33 First National 7,555,397 12,769,815 16% 36 32 NationsBank of 8,974,135 12,606,678 15% 37 37 National City B 5,580,200 11,888,536 18% 38 46 First American 3,262,919 11,540,080 36% 39 47 AmSouth Bank of 4,902,956 11,531,206 39% 40 36 Citibank NA, Ne 10,000,000 11,100,000 9% 41 43 NationsBank of 6,668,715 10,355,148 16% 42 45 Seattle-First N 6,694,820 10,293,524 20% 43 40 Boatmen's First 1,592,525 9,579,933 -4% 44 56 State Street Ba 4,050,776 9,109,150 41% 45 50 First Interstat 4,740,468 9,081,698 22% 46 42 Michigan Nation 4,651,653 9,003,684 -7% 47 44 Bank One Arizon 3,892,156 8,852,662 0% 48 49 Western Bank, S 792,346 8,698,395 14% 49 38 First Premier B 7,751,715 8,587,850 -15% 50 48 M&I Marshall & NA 8,488,600 10% 51 51 First Security 4,427,905 8,345,510 14% 52 62 Bank of New Yor 5,425,822 7,711,076 30% 53 57 First Tennessee 6,171,787 7,667,095 23% 54 52 NationsBank of 5,022,298 7,650,103 9% 55 61 Bank South NA, 2,921,592 7,564,380 26% 56 54 Compass Bank, B 1,112,918 7,182,606 8% 57 55 FirsTier Bank N 1,680,376 7,110,666 9% 58 59 Morgan Guaranty 5,600,566 7,049,821 14% 59 58 Boatmen's First 1,581,538 6,754,307 9% 60 65 United Jersey B 5,239,018 6,541,430 15% 61 60 Comerica Bank, 4,844,149 6,177,535 1% 62 68 First Fidelity 5,371,188 6,070,656 18% 63 53 Bank One Texas 3,606,872 5,970,645 -11% 64 74 First Interstat NA 5,729,895 33% 65 67 Bank of Hawaii, 3,853,171 5,665,696 8% 66 66 BayBank Boston 4,630,808 5,659,243 4% 67 72 Deposit Guarant 718,217 5,575,770 26% 68 69 Crestar Bank, R 4,192,250 5,488,066 22% 69 76 USAA Federal Sa 462,107 5,065,700 27% 70 82 Commerce Bank o 1,988,786 4,957,443 32% 71 75 Huntington Nati 3,251,809 4,908,532 23% 72 84 Bankers Trust C 3,852,214 4,805,671 35% 73 83 Sun Bank NA, Or 3,085,307 4,797,751 29% 74 81 NationsBank NA, 3,266,789 4,628,290 23% 75 78 Chemical Bank ( 4,473,599 4,549,405 16% 76 73 Union Bank, San 3,627,941 4,330,947 -1% 77 71 Bank One Dayton 3,582,643 4,312,980 -3% 78 80 Norwest Bank Ne 670,191 4,297,991 13% 79 - United States N 2,219,998 4,088,793 - 80 86 Star Bank NA, C 1,861,041 3,975,644 15% 81 95 Fourth Financia 2,279,436 3,744,566 26% 82 92 National Westmi 2,665,900 3,670,407 18% 83 90 Mercantile Bank 1,595,494 3,656,752 14% 84 93 Bank of America 2,507,238 3,653,972 18% 85 70 SouthTrust Bank 1,778,976 3,636,325 -18% 86 89 First Interstat NA 3,455,717 6% 87 110 Liberty Nationa 1,700,000 3,400,000 68% 88 105 U.S. Bank of Wa 2,800,977 3,267,807 38% 89 97 Marine Midland 2,843,830 3,259,673 16% 90 128 First Interstat 2,550,103 3,227,978 123% 91 63 NationsBank of 2,508,566 3,201,639 -45% 92 99 Wachovia Bank o 1,785,398 3,184,016 16% 93 88 AAL Member Cred NA 3,104,000 -7% 94 103 Zions First Nat 1,803,586 2,972,696 12% 95 94 First of Americ 1,907,871 2,936,510 -3% 96 108 Signet Bank/Vir 1,598,525 2,922,021 33% 97 123 Bank of Califor 1,320,062 2,824,686 78% 98 98 Boatmen's First 1,952,456 2,814,009 0% 99 102 Old Kent Bank & 2,087,233 2,812,546 5% 100 - First Interstat NA 2,716,026 - === Most data provided by regional clearing houses. Some were verified or provided by the financial institutions.

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