John B. McCoy said Thursday that he thought Wingspanbank.com would have benefited by having a network of branches where customers could open accounts, and that he had considered opening such branches during the waning days of his helm at Bank One Corp., Wingspan's parent company.

"I always felt that there would be a time when we would try to open branches in areas where we didn't have a business, like San Francisco, and that they would be different than a standard branch," he said.

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