Comerica Inc., only 1% of whose retail customers bank with it on-line, hopes to attract more with Home ATM, a program from Home Financial Network Inc. of Westport, Conn.

Comerica's previous PC banking initiatives aimed at the mass market have attracted only 3,000 customers. In addition to offering the custom-built Access One direct banking product, Comerica has at various times allied itself with Prodigy Inc.'s on-line service, MasterCard's MasterBanking, Visa Interactive VIPC, and Electronic Data Systems Corp.'s Interactive Transaction Partners.

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