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part 1 of 2
Rank Rank Originating Debit
1996 1995 institution payments
1 1 Chase Manhattan Bank NA, New York 208,883,192
2 2 Norwest Bank Minnesota NA 94,800,661
3 4 Bank One, Springfield, Ill. 113,857,793
4 3 Wachovia Bank of Georgia NA, Atlanta 29,667,187
5** NationsBank Corp., Charlotte, N.C. 30,455,230
6 6 Northern Trust Co., Chicago 35,126,909
7 7 First Union National Bank, Charlotte, 29,824,877
8 12 Wells Fargo Bank NA, San Francisco 21,052,435
9 5 Bank of America NT&SA, San Francisco 17,669,920
10 15 Fleet Financial Group Inc., Boston 13,966,378
11 11 PNC Bank NA, Pittsburgh 13,861,828
12 14 KeyBank NA, Cleveland 36,782,037
13 8 Mellon Bank NA, Pittsburgh 13,993,537
14** Boatmen's Bancshares Inc., St. Louis 23,441,536
15 9 Citibank (Delaware), New Castle 25,943,729
16 13 First Chicago NBD, Chicago 18,312,629
17 20 Bank of Boston Corp. 11,335,295
18 27 CoreStates Financial Corp., Philadelph 10,893,000
19 19 First Bank NA, Minneapolis 13,873,065
20 18 Texas Commerce Bank NA, Houston 11,968,617
21 26 Bank of America NW NA, Seattle 11,010,110
22 17 Harris Trust & Savings Bank, Chicago 16,644,812
23 23 First Chicago NBD, Detroit 4,805,923
24 31 Bank One Columbus NA, Ohio 11,021,879
25 25 First National Bank of Omaha 13,806,589
26 30 U.S. National Bank of Oregon, Portland 10,528,909
27 29 Wachovia Bank of N.C., Winston-Salem 10,647,734
28 28 UMB Bank NA, Kansas City, Mo. 14,184,051
29 24 Bank of America Illinois, Chicago 8,233,531
30 46 Compass Bank, Birmingham, Ala. 12,367,059
31 33 Firstar Bank Milwaukee NA 8,825,204
32 32 SunTrust Bank, Atlanta NA
33 39 First American National Bank, Nashvill 14,853,812
34 41 Citibank NA, New York 4,384,197
35 48 State Street Bank & Trust Co., Boston 8,867,936
36 36 National City Bank, Cleveland 8,054,885
37 38 First National Bank of Maryland, Balti 6,267,000
38 43 AmSouth Bank of Alabama, Birmingham 5,800,597
39 45 Michigan National Bank, Farmington Hil 6,569,640
40 47 M&I Marshall & Ilsley Bank, Milwaukee 3,835,027
41 53 Bank of New York 2,833,478
42 50 Comerica Bank, Detroit 3,032,569
43 51 Fifth Third Bank, Cincinnati 3,477,542
44 54 First Tennessee Bank NA, Memphis 1,930,525
45 55 First Security Bk of Utah NA, Salt Lak 4,354,469
46 42 Bank One Texas NA, Dallas 3,530,563
47 58 Summit Bancorp, Princeton, N.J. 1,759,678
48 65 Huntington National Bank, Columbus, Oh 2,973,255
49 62 Bank One Arizona NA, Phoenix 3,324,775
50 78 Union Bank of California, San Francisc 1,767,734
51 93 LaSalle National Corp., Chicago 5,954,249
52 60 Chase Manhattan Bank, Wilmington, Del. 81,073
53 87 Old Kent Bk & Trust Co., Grand Rapids, 1,819,075
54 66 Crestar Bank, Richmond 2,092,835
55- Regions Bank, Birmingham, Ala. NA
56 75 Bank of Hawaii, Honolulu 2,877,585
57 71 First of America Bank, Kalamazoo, Mich 1,870,460
58 74 USAA Federal Savings Bank, San Antonio 6,225,161
59- Manufacturers & Traders Trust Co., Buf 3,373,393
60 73 First Financial Bank, Stevens Point, W 6,057,149
61 69 Deposit Guaranty National Bank, Jackso 5,211,915
62 61 Commerce Bank NA, Kansas City, Mo. 2,579,636
63 83 Bankers Trust Co., New York 642,262
64 59 First Premier Bank NA, Sioux Falls, S. 3,962,092
65 76 SunTrust Bank Central Florida, Orlando 1,694,596
66 88 Wachovia Bank of S.C., Columbia 2,190,928
67 86 Mercantile Bank of St. Louis NA 2,283,557
68 112 Liberty Bank & Trust Co., Oklahoma Cit 2,781,214
69- EFS National Bank, Memphis 51,421
70 72 Bank One Kentucky NA, Louisville 3,068,544
71 91 Signet Bank, Richmond 1,826,306
72- U.S. Bank of Washington, Seattle 936,208
73 90 Marine Midland Bank, Buffalo 499,038
74 130 Bank One Indianapolis NA 1,533,762
75 89 Star Bank NA, Cincinnati 1,356,870
76 82 Bank One Milwaukee NA 1,381,470
77 94 AAL Member Credit Union, Appleton, Wis 3,546,494
78 79 SouthTrust Bank of Alabama NA, BirmingNA
79 96 First Hawaiian Bank, Honolulu 1,263,586
80 101 American National Bank & Trust Co., Ch 734,954
81 105 First-Citizens Bank & Trust Co., Ralei 585,264
82- Union Planters National Bank, Memphis 299,984
83 102 Sanwa Bank California, San Francisco 1,211,444
84 99 Bank of Oklahoma NA, Tulsa 1,691,533
85 77 Key Bank of Washington, Tacoma 555,406
86 104 National Bank of Commerce, Lincoln, Ne 1,466,366
87 92 Bank of America Arizona, Phoenix 225,850
88 100 Hibernia National Bank, New Orleans 1,764,542
89 109 Barnett Bank NA, Jacksonville, Fla. 1,166,880
90 103 FirstMerit Bank, Akron, Ohio 1,623,133
91 108 First National Bank of Commerce, New O 588,954
92- Great Western Bank, Chatsworth, Calif. 2,317,020
93 115 Zions First National Bank, Salt Lake C 738,978
94 107 Frost National Bank, San Antonio 912,854
95- Imperial Bank, Inglewood, Calif. 269,542
96- Research Federal Credit Union, Warren, 2,006,084
97- National City Bank of Indiana, Indiana 908,596
98 110 PNC Bank Kentucky, Louisville 928,668
99 113 Barnett Bank of Central Florida NA, Wi 880,410
part 2 of 2
Rank Rank Originating Credit Total Annual
1996 1995 institution payments payments change
1 1 Chase Manhattan Ban 90,766,441 299,649,633 12
2 2 Norwest Bank Minnes 117,892,403 212,693,064 17
3 4 Bank One, Springfie 9,530,153 123,387,945 46
4 3 Wachovia Bank of Ge 62,187,419 91,854,606 8
5** NationsBank Corp., 56,302,306 86,757,536 17
6 6 Northern Trust Co., 51,471,873 86,598,782 38
7 7 First Union Nationa 48,884,287 78,709,164 26
8 12 Wells Fargo Bank NA 49,122,347 70,174,782 13
9 5 Bank of America NT& 49,349,076 67,018,996 5
10 15 Fleet Financial Gro 47,963,680 61,930,058 32
11 11 PNC Bank NA, Pittsb 40,432,632 54,294,460 40
12 14 KeyBank NA, Clevela 14,408,404 51,190,441 57
13 8 Mellon Bank NA, Pit 35,665,856 49,659,393 13
14** Boatmen's Bancshare 20,409,566 43,851,102 11
15 9 Citibank (Delaware) 15,826,753 41,770,482 2
16 13 First Chicago NBD, 21,561,840 39,874,469 16
17 20 Bank of Boston Corp 26,112,389 37,447,684 23
18 27 CoreStates Financia 25,418,000 36,311,000 55
19 19 First Bank NA, Minn 21,372,415 35,245,480 39
20 18 Texas Commerce Bank 19,777,426 31,746,043 21
21 26 Bank of America NW 18,634,774 29,644,884 39
22 17 Harris Trust & Savi 12,457,277 29,102,089 9
23 23 First Chicago NBD, 22,270,500 27,076,423 21
24 31 Bank One Columbus N 14,677,699 25,699,578 45
25 25 First National Bank 11,806,631 25,613,220 16
26 30 U.S. National Bank 13,400,430 23,929,339 27
27 29 Wachovia Bank of N. 12,341,025 22,988,759 21
28 28 UMB Bank NA, Kansas 7,618,356 21,802,407 28
29 24 Bank of America Ill 13,447,342 21,680,873 -2
30 46 Compass Bank, Birmi 7,484,520 19,851,579 69
31 33 Firstar Bank Milwau 10,962,225 19,787,429 25
32 32 SunTrust Bank, AtlaNA 18,200,000 14
33 39 First American Nati 2,769,934 17,623,746 25
34 41 Citibank NA, New Yo 13,216,829 17,601,026 30
35 48 State Street Bank & 7,715,001 16,582,937 43
36 36 National City Bank, 8,313,138 16,368,023 10
37 38 First National Bank 9,522,000 15,789,000 9
38 43 AmSouth Bank of Ala 8,700,895 14,501,492 8
39 45 Michigan National B 7,641,540 14,211,180 8
40 47 M&I Marshall & Ilsl 8,995,811 12,830,838 10
41 53 Bank of New York 9,225,539 12,059,017 25
42 50 Comerica Bank, Detr 8,966,717 11,999,286 17
43 51 Fifth Third Bank, C 7,843,221 11,320,763 11
44 54 First Tennessee Ban 8,362,263 10,292,788 21
45 55 First Security Bk o 5,099,600 9,454,069 19
46 42 Bank One Texas NA, 5,827,315 9,357,878 -31
47 58 Summit Bancorp, Pri 7,232,224 8,991,902 20
48 65 Huntington National 5,639,245 8,612,500 33
49 62 Bank One Arizona NA 5,152,233 8,477,008 26
50 78 Union Bank of Calif 6,621,740 8,389,474 58
51 93 LaSalle National Co 2,413,903 8,368,152 153
52 60 Chase Manhattan Ban 8,151,606 8,232,679 22
53 87 Old Kent Bk & Trust 6,315,294 8,134,369 104
54 66 Crestar Bank, Richm 5,801,882 7,894,717 24
55- Regions Bank, BirmiNA 7,742,000-
56 75 Bank of Hawaii, Hon 4,805,273 7,682,858 37
57 71 First of America Ba 5,380,121 7,250,581 20
58 74 USAA Federal Saving 800,731 7,025,892 24
59- Manufacturers & Tra 3,478,759 6,852,152-
60 73 First Financial Ban 651,742 6,708,891 16
61 69 Deposit Guaranty Na 801,220 6,013,135 -3
62 61 Commerce Bank NA, K 3,210,101 5,789,737 -14
63 83 Bankers Trust Co., 4,810,774 5,453,036 14
64 59 First Premier Bank 1,436,261 5,398,353 -24
65 76 SunTrust Bank Centr 3,649,820 5,344,416 -3
66 88 Wachovia Bank of S. 2,953,643 5,144,571 32
67 86 Mercantile Bank of 2,705,385 4,988,942 19
68 112 Liberty Bank & Trus 2,011,625 4,792,839-
69- EFS National Bank, 4,580,850 4,632,271-
70 72 Bank One Kentucky N 1,550,219 4,618,763 -20
71 91 Signet Bank, Richmo 2,741,135 4,567,441 27
72- U.S. Bank of Washin 3,414,690 4,350,898-
73 90 Marine Midland Bank 3,815,195 4,314,233 15
74 130 Bank One Indianapol 2,543,311 4,077,073 268
75 89 Star Bank NA, Cinci 2,671,242 4,028,112 8
76 82 Bank One Milwaukee 2,630,433 4,011,903 -16
77 94 AAL Member Credit U 453,915 4,000,409 23
78 79 SouthTrust Bank of NA 3,995,645 -24
79 96 First Hawaiian Bank 2,668,907 3,932,493 28
80 101 American National B 2,520,588 3,255,542 40
81 105 First-Citizens Bank 2,666,205 3,251,469 60
82- Union Planters Nati 2,688,825 2,988,809-
83 102 Sanwa Bank Californ 1,751,414 2,962,858 28
84 99 Bank of Oklahoma NA 1,204,592 2,896,125 -1
85 77 Key Bank of Washing 2,242,832 2,798,238 -48
86 104 National Bank of Co 1,294,653 2,761,019 30
87 92 Bank of America Ari 2,531,207 2,757,057 -22
88 100 Hibernia National B 895,473 2,660,015 8
89 109 Barnett Bank NA, Ja 1,416,524 2,583,404 48
90 103 FirstMerit Bank, Ak 948,741 2,571,874 19
91 108 First National Bank 1,959,249 2,548,203 38
92- Great Western Bank, 82,878 2,399,898-
93 115 Zions First Nationa 1,631,570 2,370,548 71
94 107 Frost National Bank 1,348,920 2,261,774 14
95- Imperial Bank, Ingl 1,916,081 2,185,623-
96- Research Federal Cr 123,482 2,129,566-
97- National City Bank 1,182,524 2,091,120-
98 110 PNC Bank Kentucky, 997,242 1,925,910 2
99 113 Barnett Bank of Cen 1,038,656 1,919,066 10
ACCOUNTING FOR MERGERS: In most cases, rankings and growth rates take