If packaged and marketed appropriately, a debit card can be positioned as the key to the relationship between a bank and its customers, according to Robert D. Sznewajs, the vice chairman of U.S. Bancorp.

Mr. Sznewajs recommended, however, that the card not be limited to use at automated teller machines and point of sale locations. He suggested that it also be used as the entree to a full menu of services, such as PC bill payment, money market funds, and any other retail services offered by the bank.

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