As the original research presented here attests, the status of U.S. financial institutions' online banking programs varies widely, even if one adjusts for the size of the bank or credit union. Not all large banks excel online and not all small banks are playing catch-up.

1st Advantage Federal Credit Union

Headquarters: Newport News, VA

Assets: $285 million

Phone: 800-359-7650; 757-877-2444

E-mail: advantagemail 1stadvantage.org

Web Site: www.1stadvantage.org

Total E-Banking Users: 6,000

E-Banking Program Name: advantagenet

Launch Date: 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account

data, transfer funds, bill presentment, bill

payment, brokerage services, mortgage

services, automobile loan services, credit

card services, insurance

E-Banking Service Provider: Digital Insight

E-Billing Provider: Travelers

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

1st United Services Credit Union

Headquarters: Pleasanton, CA

Assets: $470 million

Phone: 800-649-0193; 510-293-1600

E-mail: email 1stuscu.org

Web Site: www.1stuscu.org

Total E-Banking Users: 7,900

E-Banking Program Name: Virtual Branch

Launch Date: December 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, mortgage services, credit card services

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

AEDC Federal Credit Union

Headquarters: Tullahoma, TN

Assets: $747 million

Phone: 800-342-3086; 931-455-5441

E-mail: memberservice aedcfcu.org

Web Site: www.aedcfcu.org

Total E-Banking Users: 15,554

E-Banking Program Name: E-Branch

Launch Date: October 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Affinity Federal Credit Union

Headquarters: Bedminster, NJ

Assets: $900 million

Phone: 800-325-0808

E-mail: msc affinityfcu.com

Web Site: www.affinityfcu.org

Total E-Banking Users: 40, 243

E-Banking Program Name: Affinity Direct

Launch Date: 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, bill presentment, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Amarillo National Bank

Headquarters: Amarillo, TX

Assets: $1.3 billion

Phone: 800-262-3733; 806-378-8000

E-mail: feedback anb.com

Web Site: www.anb.com

Total E-Banking Users: 13,000

E-Banking Program Name: N/A

Launch Date: November 1997

E-Banking Fee: Basic service is free

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services, automobile loan services

E-Banking Service Provider: Intelidata

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

AMCORE Bank

Headquarters: Rockford, IL

Assets: $4.2 billion

Phone: 888-4-AMCORE; 815-968-2241

E-mail: onlinesupport amcore.com

Web Site: www.amcore.com

Total E-Banking Users: 17,750

E-Banking Program Name: AMCORE Online

Launch Date: July 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill presentment, bill payment, brokerage services, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: S1

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

AmSouth Bank

Headquarters: Birmingham, AL

Assets: $38.8 billion

Phone: 800-AMSOUTH

E-mail: moreinfo amsouth.com

Web Site: www.amsouth.com

Total E-Banking Users: 325,000

E-Banking Program Name: N/A

Launch Date: October 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services, mortgage services, credit card services

E-Banking Service Provider: Corillian

E-Billing Provider: N/A

Wireless Banking: N/A

Apple Federal Credit Union

Headquarters: Fairfax, VA

Assets: $422 million

Phone: 800-666-7996; 703-788-4800

E-mail: info applecu.org

Web Site: www.applefcu.org

Total E-Banking Users: 12,000

E-Banking Program Name: Personal Branch

Launch Date: March 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: NetZee

E-Billing Provider: VPS

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

BancorpSouth Inc.

Headquarters: Tupelo, MS

Assets: $9.3 billion

Phone: 888-797-7711

E-mail: customer.service bxs.com

Web Site: www.bancorpsouth.com

Total E-Banking Users: 16,000

E-Banking Program Name: HomeSite

Launch Date: October 1998

E-Banking Fee: $.99/month

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Bank of America

Headquarters: Charlotte, NC

Assets: $609 billion

Phone: 800-678-2632

E-mail: Contact Us at www.bankofamerica.com (secure e-mail)

Web Site: www.bankofamerica.com

Total E-Banking Users: 3,500,000

E-Banking Program Name: Online Banking

Launch Date: 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, brokerage services, mortgage services, credit card services, insurance

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: reloadable stored-value card with disk-drive card reader; Bank of America Military Bank offers online banking services to military and government customers worldwide.

Bank of Montreal

Headquarters: Montreal, Canada

Assets: $235 billion (Canadian)

Phone: 888-491-0000

E-mail: feedback bmo.com

Web Site: www.bmo.com

Total E-Banking Users: 800,000

E-Banking Program Name: mbanx Direct

Launch Date: October 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, brokerage services, mortgage services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: N/A

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: 724 Solutions

Notes: In May 1999, Bank of Montreal launched Veev, a wireless Internet financial services program; in late 1999, Bank of Montreal absorbed its mbanx virtual banking subsidiary.

BankDirect

Headquarters: Dallas, TX

Assets: $1 billion

Phone: 877-839-2737; 972-560-4501

E-mail: customerservice bankdirect.com

Web Site: www.bankdirect.com

Total E-Banking Users: 12,700

E-Banking Program Name: BankDirect.com

Launch Date: May 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment

E-Banking Service Provider: Electronic Data Systems

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Bank One Corp.

Headquarters: Chicago, IL

Assets: $274 billion

Phone: 888-763-4000; 312-732-4000

E-mail: www.bankone.com

Web Site: www.bankone.com

Total E-Banking Users: 900,000

E-Banking Program Name: Bank One Online

Launch Date: November 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, brokerage services, mortgage services, credit card services

E-Banking Service Provider: Corillian

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: some wireless banking services available at oneinvest.com

Banner Bank

Headquarters: Walla Walla, WA

Assets: $2.1 billion

Phone: 800-272-9933

E-mail: banrbank banrbank.com

Web Site: www.banrbank.com

Total E-Banking Users: 4,500

E-Banking Program Name: Gold Mine Banker

Launch Date: February 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, automobile loan services, credit card services

E-Banking Service Provider: Jack Henry Net Teller

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: formerly First Savings Bank of Washington

Boeing Employees Credit Union

Headquarters: Tukwila, WA

Assets: $3.3 billion

Phone: 800-233-2328; 206-439-5700

E-mail: memberservice becu.org

Web Site: www.becu.org

Total E-Banking Users: 112,000

E-Banking Program Name: Web Access

Launch Date: 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment

E-Banking Service Provider: S1

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

California Coast Credit Union

Headquarters: San Diego, CA

Assets: $554 million

Phone: 877-495-1600; 858-495-1600

E-mail: support calcoastcu.org

Web Site: www.calcoastcu.org

Total E-Banking Users: 8,250

E-Banking Program Name: CU Home

Launch Date: November 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: formerly San Diego Teachers Credit Union

Canadian Imperial Bank of Commerce

Headquarters: Toronto, Canada

Assets: $268 billion

Phone: 800-465-2422; 416-861-0129

E-mail: feedback cibc.com

Web Site: www.cibc.com

Total E-Banking Users: 1.1 million

E-Banking Program Name: PC Banking

Canadian Imperial Bank...(continued)

Launch Date: September 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, brokerage services, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: IBM, Intria HP, Organic

E-Billing Provider: BCE

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: digital signatures for online applications and fulfillment; Travel Medical Insurance; offers supermarket and online banking services in the U.S. though Marketplace Bank, a venture with Winn-Dixie Stores Inc., and through Safeway Select Bank, a venture with Safeway Inc., and in Canada through President's Choice, a venture with President's Choice Financial

Charter One Financial Inc.

Headquarters: Cleveland, OH

Assets: $37 billion

Phone: 877-242-7837; 216-566-5300

E-mail: directory at www.charterone.com

Total E-Banking Users: 119,000

E-Banking Program Name: N/A

Launch Date: December 2000

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, mortgage services

E-Banking Service Provider: Brokat

E-Billing Provider: CheckFree

Wireless Banking: Yes

Total Wireless Banking Users: 237

Wireless Banking Services Provider: N/A

Notes: loan services, online statements,

six month history, stop payment, reorder checks,

secure messaging

Chartway Federal Credit Union

Headquarters: Virginia Beach, VA

Assets: $662 million

Phone: 800-678-8765; 757-552-1000

E-mail: contactus chartway.com

Web Site: www.chartway.com

Total E-Banking Users: 22,685

E-Banking Program Name: eBranch

Launch Date: December 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, person-to-person payment, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: Virtual Financial

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Chevron Federal Credit Union

Headquarters: Oakland, CA

Assets: $510 million

Phone: 800-232-8101; 510-627-5000

E-mail: cfcumail chevron.org

Web Site: www.chevronfcu.org

Total E-Banking Users: 15,000

E-Banking Program Name: PC Access

Launch Date: N/A

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, credit card services

E-Banking Service Provider: Ultra Data

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Citibank

Headquarters: New York, NY

Assets: Citigroup-$946 billion

Phone: 800-374-9700

E-mail: directory at www.citibank.com

Web Site: www.citibank.com

Total E-Banking Users: 750,000

E-Banking Program Name: Citibank Online, MyCiti.com

Launch Date: N/A

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, brokerage services, mortgage services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: N/A

Wireless Banking: Alerts only

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: 724 Solutions

Coastal Federal Credit Union

Headquarters: Raleigh, NC

Assets: $972 million

Phone: 919-420-8253

E-mail: chh3 coastalfcu.org

Web Site: www.coastalfcu.org

Total E-Banking Users: 35,248

E-Banking Program Name: Coastal On Line Transaction Service (COLTS)

Launch Date: June 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, brokerage services, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: N/A

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Colonial Bancgroup Inc.

Headquarters: Montgomery, AL

Assets: $12.5 billion

Phone: 887-502-2265

E-mail: customer-service colonialbank.com

Web Site: www.colonialbank.com

Total E-Banking Users: N/A

E-Banking Program Name: b nkcolonial.com

Launch Date: N/A

E-Banking Fee: $2.25/month for account access only

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment

E-Banking Service Provider: N/A

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Comerica Bank

Headquarters: Detroit, MI

Assets: $50 billion

Phone: 800-292-1300

E-mail: info-mail comerica.com

Web Site: www.comerica.com

Total E-Banking Users: N/A

E-Banking Program Name: Comerica Web Banking

Launch Date: May 2000

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment

E-Banking Service Provider: Financial Fusion

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: has license to implement Mondex smart cards

Commerce Bancorp Inc.

Headquarters: Cherry Hill, NJ

Assets: $9.3 billion

Phone: 888-751-9000; 856-751-9000

E-mail: customerservice yesbank.com

Web Site: www.commerceonline.com

Total E-Banking Users: 134,800

E-Banking Program Name: Commerce OnLine

Launch Date: N/A

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services

E-Banking Service Provider: Netzee

E-Billing Provider: Netzee

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Commercial Federal Bank

Headquarters: Omaha, NE

Assets: $12.7 billion

Phone: 800-742-5772; 402-554-9221

E-mail: cfbinfo commercialfed.com

Commercial Federal Bank...(continued)

Web Site: www.comfedbank.com

Total E-Banking Users: N/A

E-Banking Program Name: AccessOnline

Launch Date: April 2000

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services

E-Banking Service Provider: InteliData

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Community Credit Union (U.S.)

Headquarters: Plano, TX

Assets: $950 million

Phone: 800-578-9009; 972-578-5000

E-mail: memberservices communitycredit.org

Web Site: www.communitycu.org

Total E-Banking Users: 45,330

E-Banking Program Name: CCU Home Banking

Launch Date: 1995

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services

E-Banking Service Provider: Digital Insight

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Community Savings

Headquarters: Red Deer, Alberta, Canada

Assets: $1.2 billion

Phone: 403-343-0144

E-mail: admin communitysavings.ca

Web Site: www.communitysavings.ca

Total E-Banking Users: 11,000

E-Banking Program Name: CUAnytime

Launch Date: 1997

E-Banking Fee: No monthly fee; transaction fee of $.50

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill presentment, bill payment, brokerage services

E-Banking Service Provider: Credit Union Central of Alberta

E-Billing Provider: TelPay

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: paymentsanytime.com Business AFT generation

Compass Bancshares

Headquarters: Birmingham, AL

Assets: $21.5 billion

Phone: 800-239-2265; 800-COMPASS

E-mail: feedback compassweb.com

Web Site: www.compassweb.com

Total E-Banking Users: N/A

E-Banking Program Name: N/A

Launch Date: N/A

E-Banking Fee: Free with some accounts; others $2.95/month

E-Banking Discounts: N/A

Functionality: N/A

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Corporate America Family Credit Union

Headquarters: Elgin, IL

Assets: $400 million

Phone: 800-359-1939; 847-697-3997

E-mail: questions cafcu.org

Web Site: www.cafcu.org

Total E-Banking Users: 15,000

E-Banking Program Name: N/A

Launch Date: 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill presentment, bill payment, brokerage services, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: online shopping

Credit Union of Texas

Headquarters: Dallas, TX

Assets: $865 million

Phone: 800-314-3828; 972-263-9497

E-mail: feedback cuoftexas.org

Web Site: www.cuoftexas.org

Total E-Banking Users: 6,111

E-Banking Program Name: N/A

Launch Date: N/A

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, automobile loan services, credit card services

E-Banking Service Provider: Ultradata

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: formerly Dallas Teachers Credit Union

Denali Alaskan Federal Credit Union

Headquarters: Anchorage, AK

Assets: $201 million

Phone: 800-764-1123; 907-257-7200

E-mail: info denalifcu.com

Web Site: www.denalifcu.org

Total E-Banking Users: 10,006

E-Banking Program Name: Personal Computer Banking

Launch Date: September 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: Harland/Ultradata

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Digital Federal Credit Union

Headquarters: Maynard, MA

Assets: $1.4 billion

Phone: 800-328-8797

E-mail: dcu dcu.org

Web Site: www.dcu.org

Total E-Banking Users: 90,734

E-Banking Program Name: PC Branch

Launch Date: July 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, person-to-person payment, brokerage services, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: VIFI

E-Billing Provider: Metavante

Wireless Banking: Yes

Total Wireless Banking Users: 240

Wireless Banking Services Provider: VIFI

Notes: loan application and payment, check ordering, forms, life insurance application, customized rate quotes

E*Trade Bank

Headquarters: Arlington, VA

Assets: $12.7 billion

Phone: 800-ETBANK1; 703-247-3700

E-mail: bankinginfo etradebank.com

Web Site: www.telebank.com

Total E-Banking Users: 434,804

E*Trade Bank...(continued)

Launch Date: February 1998

E-Banking Program Name: True.net

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, brokerage services, mortgage services, insurance

E-Banking Service Provider: S1

E-Billing Provider: Metavante

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: Everypath

Notes: formerly TeleBank; a virtual banking

subsidiary of E*Trade Group Inc.

Eastern Bank Corp. Inc.

Headquarters: Lynn, MA

Assets: $3.8 billion

Phone: 800-EASTERN; 781-599-2100

E-mail: info easternbk.com

Web Site: www.easternbank.com

Total E-Banking Users: 12,500

E-Banking Program Name: Home Connect

Launch Date: April 1998

E-Banking Fee: Free for customers using

QuickConnect

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, account aggregation

E-Banking Service Provider: S1

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Eastman Credit Union

Headquarters: Kingsport, TN

Assets: $990 million

Phone: 800-999-2328; 423-229-8200

E-mail: ecudial eastman.com

Web Site: www.eastmancu.org

Total E-Banking Users: 10,600

E-Banking Program Name: ECU Online Internet Account Access

Launch Date: November 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Electronic Data Systems Employees

Federal Credit Union

Headquarters: Plano, TX

Assets: $416 million

Phone: 972-604-9100

E-mail: directory at www.edsefcu.org

Web Site: www.edsefcu.org

Total E-Banking Users: 3,750

E-Banking Program Name: Virtual Branch Home Banking

Launch Date: June 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, brokerage services, automobile loan services, credit card services

E-Banking Service Provider: Electronic Data Systems

E-Billing Provider: Electronic Data Systems

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: Electronic Data Systems

Fifth Third Bank

Headquarters: Cincinnati, OH

Assets: $70 billion

Phone: 800-972-3030; 513-579-5300

E-mail: webmaster 53.com

Web Site: www.53.com

Total E-Banking Users: 419, 297

E-Banking Program Name: Fifth Third

Online-Personal Banking

Launch Date: April 1998

E-Banking Fee: Free for account inquiry

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services, mortgage services, credit card services, insurance, account aggregation

E-Banking Service Provider: Edify

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: automobile insurance, life insurance, health insurance, homeowners insurance payments, customized rate quotes; purchased Old Kent Financial Corp. and CNB Bancshares Inc./Citizens Bank

First Citizens Bancshares

Headquarters: Raleigh, NC

Assets: $11 billion

Phone: 888-323-4732; 919-716-7000

E-mail: info firstcitizens.com

Web Site: www.firstcitizens.com

Total E-Banking Users: N/A

E-Banking Program Name: firstcitizens.com Online Banking

Launch Date: August 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer

funds, bill payment, brokerage services,

mortgage services, automobile loan

services, credit card services, insurance

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

First Community Credit Union

Headquarters: Ellisville, MO

Assets: $780 million

Phone: 800-767-8880; 636-256-9292

E-mail: info firstcommunity.com

Web Site: www.firstcommunity.com

Total E-Banking Users: N/A

E-Banking Program Name: ExpressNet

Launch Date: May 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services

E-Banking Service Provider: Summit

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

First Technology Credit Union

Headquarters: Beaverton, OR

Assets: $800 million

Phone: 800-637-0852; 503-644-4034

E-mail: hbsupport 1sttech.com

Web Site: www.1sttech.com

Total E-Banking Users: 45,000

E-Banking Program Name: 1sttech Online

Launch Date: 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, credit card services

E-Banking Service Provider: CNeCOM/OFS

E-Billing Provider: Princeton eCom

Wireless Banking: Yes

Total Wireless Banking Users: 1,000

Wireless Banking Services Provider: Senscom

First Union Corp.

Headquarters: Charlotte, NC

Assets: $253 billion

Phone: 800-ASK-FUNB

E-mail: N/A

Web Site: www.firstunion.com

Total E-Banking Users: 3,000,000

E-Banking Program Name: First Union Online Services

Launch Date: 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

First Virginia Banks Inc.

Headquarters: Falls Church, VA

Assets: $10 billion

Phone: 703-241-4000

E-mail: N/A

Web Site: www.firstvirginia.com

Total E-Banking Users: 17,350

E-Banking Program Name: N/A

Launch Date: December 1997

E-Banking Fee: $9.95/month, including bill pay

E-Banking Discounts: $4.95/month; includes bill pay with certain account types

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: ORCC

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

FirstBank Holding Co. of Colorado Inc.

Headquarters: Lakewood, CO

Assets: $5.2 million

Phone: 800-964-3444; 303-237-5000

E-mail: banking efirstbank.com

Web Site: www.efirstbank.com

Total E-Banking Users: 20,037

E-Banking Program Name: N/A

Launch Date: January 1999

E-Banking Fee: $3/month for banking only; free for banking only with e-statements

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Great Lakes Credit Union

Headquarters: Great Lakes, IL

Assets: $320 million

Phone: 800-982-7850; 847-578-7000

E-mail: memberservice glcu.org

Web Site: www.glcu.org

Total E-Banking Users: 14,000

E-Banking Program Name: Web Connect

Launch Date: April 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, brokerage services, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: Symitar Systems

E-Billing Provider: Symitar Systems

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

GTE Federal Credit Union

Headquarters: Tampa, FL

Assets: $826.9 million

Phone: 888-871-2690; 813-871-2690

E-mail: N/A

Web Site: www.gtefcu.org

Total E-Banking Users: 35,000

E-Banking Program Name: CU at Home

Launch Date: January 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, brokerage services, mortgage services, automobile loan services

E-Banking Service Provider: CN eCom

E-Billing Provider: CN eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

HAPO Community Credit Union

Headquarters: Richland, WA

Assets: $210 million

Phone: 800-284-4276; 509-943-5676

E-mail: hapo hapo.org

Web Site: www.hapo.org

Total E-Banking Users: 8,200

E-Banking Program Name: Online Internet Teller

Launch Date: September 1997

E-Banking Fee: $3 for classic ; free for basic

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, HAPO Community Credit Union...(continued)

HAPO Community Credit Union...(continued)

bill payment, automobile loan services, credit card services

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Harris Bank

Headquarters: Chicago, IL

Assets: $29 billion

Phone: 877-255-7800; 312-461-2121

E-mail: webinfo harrisbank.com

Web Site: www.harrisbank.com

Total E-Banking Users: 50,000

E-Banking Program Name: Harris Online Banking

Launch Date: November 1997

E-Banking Fee: None

E-Banking Discounts: Three months bill pay free; discounted with bill pay (certain accounts)

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, brokerage services, mortgage services, automobile loan services

E-Banking Service Provider: Alltel

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: member of Bank of Montreal Group

Hibernia National Bank

Headquarters: New Orleans, LA

Assets: $16.7 billion

Phone: 800-666-4417; 504-533-3333

E-mail: mailus hibernia.com

Web Site: www.hibernia.com

Total E-Banking Users: 100,000

E-Banking Program Name: Bank Online Hibernia.com

Launch Date: March 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, investment services, automobile loan services, credit card services, insurance

E-Banking Service Provider: Corillian

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Houston Federal Credit Union

Headquarters: Sugar Land, TX

Assets: N/A

Phone: 281-263-3350

E-mail: talktous houstonfcu.org

Web Site: www.houstonfcu.org

Total E-Banking Users: N/A

E-Banking Program Name: eTeller

Launch Date: September 1998

E-Banking Fee: None

E-Banking Discounts: First six months of bill pay free

Functionality: view account data, transfer funds, brokerage services, automobile loan services

E-Banking Service Provider: N/A

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Huntington Bancshares Inc.

Headquarters: Columbus, OH

Assets: $28 billion

Phone: 800-480-BANK; 614-480-8300

E-mail: direct huntington.com

Web Site: www.huntington.com

Total E-Banking Users: 132,000

E-Banking Program Name: Huntington Web Bank

Launch Date: June 1996

E-Banking Fee: $4.95/month

E-Banking Discounts: Three months free

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: S1

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

IBM Southeast Employees Federal Credit Union

Headquarters: Boca Raton, FL

Assets: $425 million

Phone: 800-873-5100; 561-982-4700

E-mail: serviceplus ibmsecu.org

Web Site: www.ibmsecu.org

Total E-Banking Users: 2,929

E-Banking Program Name: PC Lynx

Launch Date: February 1997

E-Banking Fee: None

E-Banking Discounts: Pay three bills online, receive $25

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, person-to-person payment, mortgage services, automobile loan services, credit card services, insurance, account aggregation

E-Banking Service Provider: Ultradata

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

IBM Texas Employees Federal Credit Union

Headquarters: Austin, TX

Assets: $230 million

Phone: 800-237-5087; 512-836-5901

E-mail: cumail ibmtefcu.org

Web Site: www.ibmtefcu.org

Total E-Banking Users: 8,970

E-Banking Program Name: EZ Online

Launch Date: November 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, automobile loan services, credit card services

E-Banking Service Provider: Ultradata/Harland

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Indiana University Employees Federal

Credit Union

Headquarters: Bloomington, IN

Assets: $375 million

Phone: 812-855-7823

E-mail: memberservice iucu.org

Web Site: www.iucu.org

Total E-Banking Users: 11,000

E-Banking Program Name: Web Home Teller

Launch Date: 1996

E-Banking Fee: None

E-Banking Discounts: Bill pay discounted with minimum balances

Functionality: view account data, transfer funds, bill payment, automobile loan services, credit card services

E-Banking Service Provider: Netzee

E-Billing Provider: OPS

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

ING Direct

Headquarters: Toronto, ON, Canada

Assets: $600 billion

Phone: 800-ING-DIRECT; 416-758-5200

E-mail: clientservices ingdirect.com

Web Site: www.ingdirect.com

Total E-Banking Users: 200,000

E-Banking Program Name: N/A

Launch Date: 1997

E-Banking Fee: None

ING Direct...(continued)

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, mortgage services, credit card services

E-Banking Service Provider: Sanchez as ASP

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: A virtual banking subsidiary of ING Group, the Netherlands

Intrust Bank N.A.

Headquarters: Wichita, KS

Assets: $2.3 billion

Phone: 800-999-4048; 316-383-1340

E-mail: intrust intrustbank.com

Web Site: www.intrustbank.com

Total E-Banking Users: N/A

E-Banking Program Name: Internet Banking

Launch Date: November 1997

E-Banking Fee: None

E-Banking Discounts: First 25 bill payments free

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, automobile loan services, credit card services, account aggregation

E-Banking Service Provider: eCommLink

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

J.P. Morgan Chase/Chase Manhattan Bank

Headquarters: New York, NY

Assets: $714 billion

Phone: 877-CHASEPC; 212-935-9935

E-mail: onlinebanking chaseonline.chase.com

Web Site: www.chase.com

Total E-Banking Users: 1.1 million

E-Banking Program Name: Chase Online

Launch Date: February 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, credit card services

E-Banking Service Provider: Edify

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: The Chase Relocation Program encourages existing customers leaving the bank's area to sign up for remote banking.

John Deere Community Credit Union

Headquarters: Waterloo, IA

Assets: $617 million

Phone: 800-235-3228; 319-236-5600

E-mail: N/A

Web Site: www.jdccu.org

Total E-Banking Users: 17,310

E-Banking Program Name: N/A

Launch Date: April 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage, services, credit card services

E-Bank Kennedy Space Center Federal Credit Union

Headquarters: Merritt Island, FL

Assets: $212 million

Phone: 800-662-5257; 321-455-9400

E-mail: kscfcu kscfcu.org

Web Site: www.kscfcu.org

Total E-Banking Users: 6,000

E-Banking Program Name: Personal Credit Union

Launch Date: September 2000

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, automobile loan services, insurance

E-Banking Service Provider: Users

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: Auto insurance application

KeyCorp/KeyBank

Headquarters: Cleveland, OH

Assets: $86 billion

Phone: 800-KEY2YOU; 216-689-3000

E-mail: N/A

Web Site: www.key.com

KeyCorp/KeyBank...(continued)

Total E-Banking Users: 320,000

E-Banking Program Name: Online Banking and Investing

Launch Date: August 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, brokerage services, mortgage

services, automobile loan services, credit

card services, insurance

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: Customized rate quotes, stop

payment, check and statement copies,

reorder checks; licensed to implement

Mondex smart cards

Los Alamos National Bank

Headquarters: Los Alamos, NM

Assets: $742 million

Phone: 800-662-5171; 505-662-5171

E-mail: lanb lanb.com

Web Site: www.lanb.com

Total E-Banking Users: 6,553

E-Banking Program Name: Access Banking

Launch Date: March 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account

data, transfer funds, bill payment,

person-to-person payment, mortgage

services, automobile loan services,

credit card services

E-Banking Service Provider: S1/Edify

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: check images, address change, order checks, stop payment, downloads, messaging, change personal information

M&T Bank

Headquarters: Buffalo, NY

Assets: $30 billion

Phone: 800-790-9130; 716-842-5000

E-mail: custserve mandtbank.com

Web Site: www.mandtbank.com

Total E-Banking Users: N/A

E-Banking Program Name: M & T Web Banking

Launch Date: August 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data,

transfer funds, bill payment, mortgage

services, automobile loan services, credit

card services

E-Banking Service Provider: Corillian

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Michigan National Bank

Headquarters: Farmington Hills, MI

Assets: $12 billion

Phone: 800-CALL-MNB; 248-473-3000

E-mail: N/A

Web Site: www.michigannational.com

Total E-Banking Users: 5,000

E-Banking Program Name: Michigan National Online Web Banking

Launch Date: N/A

E-Banking Fee: None

E-Banking Discounts: Three months bill

pay free

Functionality: view account data, transfer funds, bill payment

E-Banking Service Provider: N/A

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Mission Federal Credit Union

Headquarters: San Diego, CA

Assets: $1 billion

Phone: 619-552-6860

E-mail: missionmail missionfcu.org

Web Site: www.missionfcu.org

Total E-Banking Users: 6,000

E-Banking Program Name: MissionLink,

MissionNet, MissionNet Plus

Launch Date: February 1998

E-Banking Fee: Three months of bill pay free

Mission Federal Credit Union...(continued)

E-Banking Discounts: Three months free

Functionality: view account data, transfer funds,

bill payment

E-Banking Service Provider: N/A

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Missoula Federal Credit Union

Headquarters: Missoula, MT

Assets: $161 million

Phone: 406-523-3300

E-mail: marketing missoulafcu.org

Web Site: www.missoulafcu.org

Total E-Banking Users: 7,669

E-Banking Program Name: Miss Web

Launch Date: March 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, credit card services

E-Banking Service Provider: Ultradata

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Mountain America Credit Union

Headquarters: Salt Lake City, UT

Assets: $850 million

Phone: 800-748-4302; 801-325-6300

E-mail: N/A

Web Site: www.mtnamerica.org

Total E-Banking Users: 40,416

E-Banking Program Name: Online Branch

Launch Date: March 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: Digital Insight

E-Billing Provider: Digital Insight

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

National City Corp.

Headquarters: Cleveland, OH

Assets: $90 billion

Phone: 800-622-8100; 216-575-2000

E-mail: info national-city.com

Web Site: www.national-city.com

Total E-Banking Users: 175,000

E-Banking Program Name: National City Online Banking

Launch Date: May 1998

E-Banking Fee: N/A

E-Banking Discounts: Free for Premium Interest Checking account customers; Value Pak customers receive 50% off of bill pay

Functionality: view account data, transfer funds, bill payment

E-Banking Service Provider: Financial Fusion

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

National Commerce Financial Corp.

Headquarters: Memphis, TN; operational

Headquarters in Durham, NC

Assets: $16 billion

Phone: CCB Financial, 800-422-2226; NBC Bank, 888-622-2265; 1st Market Bank, 800-242-0971; NFC, 901-523-3000

E-mail: ccbinquiry ccbf.com; info NBCbank.com; info firstmarketbank.com

Web Site: www.ccbonline.com; www.nbcbank.com; www.firstmarketbank.com; www.ncfcorp.com

Total E-Banking Users: 12,000

E-Banking Program Name: N/A

Launch Date: May 2000

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree, Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

National InterBank

Headquarters: Indianapolis, IN

Assets: $90 million

Phone: 877-468-7625; 812-849-3813

E-mail: service nationalinterbank.com

Web Site: www.nationalinterbank.com

National InterBank...(continued)

Total E-Banking Users: 14,000

E-Banking Program Name: N/A

Launch Date: 2000

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services

E-Banking Service Provider: S1

E-Billing Provider: M&I

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: a virtual banking division of The First Bank of Mitchell

National Penn Bank

Headquarters: Boyertown, PA

Assets: $2.6 billion

Phone: 800-822-3321; 610-369-6128

E-mail: natpenn natpennbank.com

Web Site: www.natpennbank.com

Total E-Banking Users: 8,197

E-Banking Program Name: Empower Web Banking

Launch Date: N/A

E-Banking Fee: None

E-Banking Discounts: First month bill pay free

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services

E-Banking Service Provider: S1/Edify

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

National Semiconductor Federal Credit Union

Headquarters: Santa Clara, CA

Assets: $134 million

Phone: 888-672-6073; 408-524-4500

E-mail: N/A

Web Site: www.nsfcu.org

Total E-Banking Users: 3,564

E-Banking Program Name: Internet Banking

Launch Date: N/A

E-Banking Fee: N/A

E-Banking Discounts: Two months bill

pay free

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, automobile loan services

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Navy Federal Credit Union

Headquarters: Merrifield, VA

Assets: $14 billion

Phone: 703-255-8000

E-mail: N/A

Web Site: www.navyfcu.org

Total E-Banking Users: 608,000

E-Banking Program Name: Navy Federal Online

Launch Date: May 1998

E-Banking Fee: None

E-Banking Discounts: First three months bill pay free

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, mortgage services, credit card services

E-Banking Service Provider: IBM

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: can apply for almost all services through the Web site

NetBank

Headquarters: Alpharetta, GA

Assets: $2 billion

Phone: 888-256-6932; 770-343-6006

NetBank...(continued)

E-mail: N/A

Web Site: www.netbank.com

Total E-Banking Users: 200,000

E-Banking Program Name: Internet Banking

Launch Date: October 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, person-to-person payment, brokerage services, mortgage services, credit card services, insurance, account aggregation

E-Banking Service Provider: S1, Bisys, NCR

E-Billing Provider: CheckFree

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: Air2Web

Notes: automobile insurance application and payment, life insurance application and payment, health insurance application and payment, homeowner's insurance application and payment; customized rate quotes, organize personalized, self-directed insurance plans through insurance.com

NIH Federal Credit Union

Headquarters: Rockville, MD

Assets: $265.1 million

Phone: 800-877-6440; 301-718-0208

E-mail: nihfcu nihfcu.org

Web Site: www.nihfcu.org

Total E-Banking Users: 10,699

E-Banking Program Name: CU Home 24-Hour Online Banking

Launch Date: July 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, brokerage services, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Nutmeg State Federal Credit Union

Headquarters: Rocky Hill, CT

Assets: $235 million

Phone: 800-526-6933; 860-513-5000

E-mail: service htfdtelfcu.org

Web Site: www.htfdtelfcu.org

Total E-Banking Users: 1,794

E-Banking Program Name: N/A

Launch Date: September 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, credit card services

E-Banking Service Provider: Financial Data Corp.

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: formerly called Hartford Telephone Federal Credit Union

Old National Bancorp.

Headquarters: Evansville, IN

Assets: $9 billion

Phone: 800-731-BANK; 812-464-1200

E-mail: bancorp oldnational.com

Web Site: www.oldnational.com

Total E-Banking Users: 15,000

E-Banking Program Name: Old National Online Banking

Launch Date: November 1999

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill presentment, bill payment, brokerage services, credit card services

E-Banking Service Provider: NCR

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Orange County Federal Credit Union

Headquarters: Santa Ana, CA

Assets: $500 million

Phone: 888-546-2328; 714-755-5900

E-mail: ocfcu deltanet.com

Web Site: www.ocfcu.org

Total E-Banking Users: 8,398

E-Banking Program Name: Axis Internet Banking

Launch Date: June 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, person-to-person payment, brokerage services, mortgage services, automobile loan

services, insurance

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

OSU Federal Credit Union

Headquarters: Corvallis, OR

Assets: $259 million

Phone: 800-732-0173; 541-714-4000

E-mail: N/A

Web Site: www.osufederal.com

Total E-Banking Users: 5,000

E-Banking Program Name: N/A

Launch Date: N/A

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: N/A

E-Banking Service Provider: Cavion

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Paragon Federal Credit Union

Headquarters: Township of Washington, NJ

Assets: $270 million

Phone: 800-222-8877; 201-358-6666

E-mail: staff paragonfcu.org

Web Site: www.paragonfcu.org

Total E-Banking Users: 6,000

E-Banking Program Name: Web PB

Launch Date: November 1995

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, brokerage services, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Pennsylvania State Employees Credit Union

Headquarters: Harrisburg, PA

Assets: $1.6 billion

Phone: 800-237-7328; 717-234-8484

E-mail: N/A

Web Site: www.psecu.com

Total E-Banking Users: 83,000

E-Banking Program Name: PSECU Home

Launch Date: January 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, automobile loan services, credit card services

E-Banking Service Provider: S1/Edify

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

People's Mutual Holding Co./ People's Bank

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Philips Federal Credit Union

Headquarters: Ft. Wayne, IN

Assets: $201 million

Phone: 800-728-8943; 219-471-8336

E-mail: comments philipscu.org

Web Site: www.philipscu.org

Total E-Banking Users: 5,300

E-Banking Program Name: PCU Online

Launch Date: January 1998

E-Banking Fee: N/A

E-Banking Discounts: Discounted based on relationship

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: Ultra Data

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: customized rate quotes

Pinellas County Teachers Credit Union

Headquarters: Largo, FL

Assets: $220 million

Phone: 800-593-2274; 727-585-8775

E-mail: N/A

Web Site: www.pctcu.org

Total E-Banking Users: 10,000

E-Banking Program Name: Remote Control Online Banking

Launch Date: December 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, automobile loan services, credit card services

E-Banking Service Provider: Ultradata

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

PNC Bank

Headquarters: Pittsburgh, PA

Assets: $71 billion

Phone: 888-PNC-BANK; 412-762-2000

E-mail: N/A

Web Site: www.pncbank.com

Total E-Banking Users: 30,000

E-Banking Program Name: Account Link by Web

Launch Date: June 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: CD auctions, piloting electronic bill presentment

Principal Bank

Headquarters: Des Moines, IA

Assets: $690.5 million

Phone: 800-672-3343; 515-362-2636

E-mail: N/A

Web Site: www.principal.com/bank

Total E-Banking Users: 60,000

E-Banking Program Name: Principal Bank Online Banking

Launch Date: February 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, brokerage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: S1

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Principal Bank...(continued)

Wireless Banking Services Provider: N/A

Notes: a virtual banking subsidiary of Principal Life Insurance Co.

Provident Bancshares Corp./Provident Bank

Headquarters: Baltimore, MD

Assets: $5.7 billion

Phone: 888-867-2265; 410-281-7000

E-mail: N/A

Web Site: www.provbank.com

Total E-Banking Users: 11,000

E-Banking Program Name: Everywhere Banking, Internet banking

Launch Date: May 1999

E-Banking Fee: None

E-Banking Discounts: Six months bill pay free

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, insurance

E-Banking Service Provider: Metavante

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Provident Financial Group

Headquarters: Cincinnati, OH

Assets: $20 billion

Phone: 800-335-2220; 513-579-2000

E-mail: telebank provident-bank.com

Web Site: www.provident-bank.com

Total E-Banking Users: 31,000

E-Banking Program Name: N/A

Launch Date: February 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, brokerage services, mortgage services, credit card services, insurance

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Republic Bancshares Inc.

Headquarters: St. Petersburg, FL

Assets: $2.5 billion

Phone: 727-823-7300

E-mail: contact republicbankfl.com

Web Site: www.republicbankfl.com

Total E-Banking Users: 10,000

E-Banking Program Name: N/A

Launch Date: May 1997

E-Banking Fee: None

E-Banking Discounts: Free bill pay with certain accounts

Functionality: open accounts, view account data, transfer funds, bill payment, automobile loan services

E-Banking Service Provider: S1

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Republic Bank & Trust

Headquarters: Louisville, KY

Assets: $1.5 billion

Phone: 888-584-3600; 502-584-3600

E-mail: info republicbank.com

Web Site: www.republicbank.com

Total E-Banking Users: 8,000

E-Banking Program Name: Republicbank.com Internet Banking

Launch Date: June 1999

E-Banking Fee: None

E-Banking Discounts: Three months bill pay free

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Riggs Bank

Headquarters: McLean, VA

Assets: $5.5 billion

Phone: 800-368-5800; 301-887-6000

E-mail: webservices riggsbank.com

Web Site: www.riggsbank.com

Total E-Banking Users: 12,000

E-Banking Program Name: N/A

Launch Date: December 1997

E-Banking Fee: $7.95/month

E-Banking Discounts: Three months free; free with certain accounts

Functionality: view account data, transfer funds, bill payment, credit card services

E-Banking Service Provider: ORCC

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

River City Bank

Headquarters: Sacramento, CA

Assets: $500 million

Phone: 800-564-7144; 916-567-2600

E-mail: N/A

Web Site: www.rcbank.com

Total E-Banking Users: 4,200

E-Banking Program Name: River City Bank Online

Launch Date: October 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, credit card services

E-Banking Service Provider: Open Solutions

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Royal Bank of Canada

Headquarters: Toronto, ON, Canada

Assets:

Phone: 416-348-6557

E-mail: feedback royalbank.com

Web Site: www.royalbank.com

Total E-Banking Users: 1,112,000

E-Banking Program Name: Royal Direct Online Services

Launch Date: N/A

E-Banking Fee: $4.95/month (Canadian)

E-Banking Discounts: Free with certain accounts

Functionality: view account data, transfer funds, bill payment, mortgage services, credit card services

E-Banking Service Provider: S1/Edify

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Salem Five Cents Savings Bank

Headquarters: Salem, MA

Assets: N/A

Phone: 888-666-5500; 978-720-5954

E-mail: mail salemfive.com

Web Site: www.salemfive.com &

www.directbanking.com

Total E-Banking Users: 7,500

E-Banking Program Name: Directbanking.com

Launch Date: 1998

E-Banking Fee: $15/month

E-Banking Discounts: Three months bill payment free; free or discounted with certain accounts or minimum balances

Functionality: open accounts, view account data, transfer funds, bill payment

E-Banking Service Provider: Metavante, S1/Edify

E-Billing Provider: Metavante

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: Metavante with W Technologies

Scotiabank/Bank of Nova Scotia

Headquarters: Toronto, ON, Canada

Assets: $275 billion

Phone: 800-472-6842; 416-866-6832

E-mail: email scotiabank.com

Web Site: ww.scotiabank.ca

Total E-Banking Users: 1,482,724

E-Banking Program Name: Scotia Online

Launch Date: October 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds,

bill payment, brokerage services, credit card

services

E-Banking Service Provider: N/A

E-Billing Provider: N/A

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: Rogers AT&T Wireless, Bell Mobility, Telus Mobility, Aliant Telecom, MTS Communications

Security Service Federal Credit Union

Headquarters: San Antonio, TX

Assets: $2.1. billion

Phone: 800-52-SSFCU; 210-476-4000

E-mail: ssfcu ssfcu.org

Web Site: www.ssfcu.org

Total E-Banking Users: 100,000

E-Banking Program Name: CompuBranch

Launch Date: February 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account

data, transfer funds, bill payment, automobile

loan services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Silver State Schools Family Credit Union

Headquarters: Las Vegas, NV

Assets: $416 million

Phone: 800-357-9654; 702-733-8820

E-mail: mbrsrv sssfcu.org

Web Site: www.sssfcu.org

Total E-Banking Users: 9,108

E-Banking Program Name: Silver Express

Launch Date: May 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer

funds, bill payment, mortgage services, credit

card services

E-Banking Service Provider: Symitar Systems

E-Billing Provider: ORCC

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Sovereign Bancorp Inc.

Headquarters: Wyomissing, PA

Assets: $34 billion

Phone: 610-320-8400

E-mail: N/A

Web Site: www.sovereignbank.com

Total E-Banking Users: 150,000

E-Banking Program Name: NetBanking

Launch Date: N/A

E-Banking Fee: None

E-Banking Discounts: Bill pay fee waived for

Ultimate Account holders

Functionality: view account data, transfer funds, bill payment

E-Banking Service Provider: Fiserv

E-Billing Provider: Fiserv

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: launched 1st webbankdirect virtual

financial institution in September 1999

Stanford Federal Credit Union

Headquarters: Palo Alto, CA

Assets: $327 million

Phone: 888-723-7328; 650-723-2509

E-mail: info sfcu.org

Web Site: www.sfcu.org

Total E-Banking Users: 12,500

E-Banking Program Name: CUOnline

Launch Date: 1994

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view

account data, transfer funds, bill

presentment, bill payment, brokerage

services, mortgage services, automobile

loan services, credit card services,

insurance

E-Banking Service Provider: Fincentric

E-Billing Provider: CheckFree

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Star One Credit Union

Headquarters: Sunnyvale, CA

Assets: $2 billion

Phone: 800-552-1455; 408-742-2801

E-mail: service starone.org

Web Site: www.starone.org

Total E-Banking Users: 18,200

E-Banking Program Name: Online Banking

Star One Credit Union...(continued)

Launch Date: July 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, mortgage services, credit card services

E-Banking Service Provider: Digital Insight

E-Billing Provider: N/A

Wireless Banking: Yes

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: Digital Insight

State Department Federal Credit Union

Headquarters: Alexandria, VA

Assets: $500 million

Phone: 800-296-8882; 703-706-5000

E-mail: sdfcu sdfcu.org

Web Site: www.sdfcu.org

Total E-Banking Users: 11,686

E-Banking Program Name: SDFCU Online

Launch Date: December 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: VIFI

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

State Employees Federal Credit Union

Headquarters: Albany, NY

Assets: $725 million

Phone: 800-727-3328; 518-452-8183

E-mail: marketing sefcu.com

Web Site: www.sefcu.com

Total E-Banking Users: 25,000

E-Banking Program Name: SEFCU Online

Launch Date: June 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, mortgage services, credit card services

E-Banking Service Provider: Digital Insight

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

SunTrust Bank Inc.

Headquarters: Atlanta, GA

Assets: $100.3 billion

Phone: 800-382-3232; 404-858-7398

E-mail: N/A

Web Site: www.suntrust.com

Total E-Banking Users: 350,000

E-Banking Program Name: PC Banking

Launch Date: Late 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment

E-Banking Service Provider: Corillian

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Susquehanna Bancshares Inc./Farmers

First Bank

Headquarters: Lititz, PA

Assets: $4.7 billion

Phone: 800-711-3262; 717-626-4735

E-mail: ddc ffb.com

Web Site: www.ffb.com & www.susqbanc.com

Total E-Banking Users: 17,000

E-Banking Program Name: Internet Banker

Launch Date: April 1999

E-Banking Fee: Free to personal users; business use-$10/month for one user, $15/month for multiple users

E-Banking Discounts: Personal-3,6 & 12 month intro periods available for bill payment (used at bank discretion); business-3 month intro period available for bill payment (used at bank discretion)

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: Jack Henry & Associates

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Technology Credit Union

Headquarters: San Jose, CA

Assets: $800 million

Phone: 800-553-0880

E-mail: info techcu.com

Web Site: www.techcu.com

Total E-Banking Users: 35,000

E-Banking Program Name: Web Branch

Launch Date: January 1997

E-Banking Fee: None

E-Banking Discounts: Free with certain accounts

Functionality: open accounts, account data, transfer funds, bill payment, brokerage services, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: Corillian

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Telesis Community Credit Union

Headquarters: Chatsworth, CA

Assets: $245 million

Phone: 800-895-8328; 818-885-1226

E-mail: memberrequests telesiscu.org

Web Site: www.telesiscu.org

Total E-Banking Users: 2,375

E-Banking Program Name: e-branch

Launch Date: January 2000

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: VIFI

E-Billing Provider: Metavante

Wireless Banking: Yes

Total Wireless Banking Users: 71

Wireless Banking Services Provider: uMonitor

Texans Credit Union

Headquarters: Richardson, TX

Assets: $1 billion

Phone: 800-843-5295; 972-348-2000

E-mail: N/A

Web Site: www.texanscu.org

Total E-Banking Users: 20,000

E-Banking Program Name: Internet Virtual Branch Home Banking Service

Launch Date: September 1999

E-Banking Fee: None

E-Banking Discounts: Bill pay $4 for members with inter ctive checking, which requires them to conduct the majority of their transactions through automation

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment

E-Banking Service Provider: Electronic Data Systems

E-Billing Provider: Electronic Data Systems

Wireless Banking: Yes

Total Wireless Banking Users: 1,600

Wireless Banking Services Provider: Electronic Data Systems

The Laredo National Bank

Headquarters: Laredo, TX

Assets: $2 billion

Phone: 888-723-1151; 956-723-1151

E-mail: banking lnb.com

Web Site: www.lnb.com

Total E-Banking Users: 9,500

E-Banking Program Name: LNB Online

Launch Date: April 1999

E-Banking Fee: Personal-free; cash

management-$10/month

E-Banking Discounts: N/A

Functionality: open accounts, view account

data, transfer funds, bill presentment, bill

payment, person-to-person payment, automobile loan services, credit card services, account

aggregation

E-Banking Service Provider: S1

E-Billing Provider: Princeton eCom

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

The Northern Trust Co.

Headquarters: Chicago, IL

Assets: $36 billion

Phone: 888-289-6542; 312-630-6000

E-mail: N/A

Web Site: www.northertrust.com

Total E-Banking Users: 35,000

E-Banking Program Name: Northern Trust Private Passport

Launch Date: September 1997

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: Electronic Data Systems

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Truliant Federal Credit Union

Headquarters: Winston-Salem, NC

Assets: $785 million

Phone: 336-659-1955

E-mail: N/A

Web Site: www.truliantfcu.org

Total E-Banking Users: 17,000

E-Banking Program Name: N/A

Launch Date: April 1998

E-Banking Fee: None

E-Banking Discounts: Three months bill pay free

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services

E-Banking Service Provider: Digital Insight

E-Billing Provider: Metavante

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

Notes: formerly AT&T Family Federal Credit Union

Tulsa Teachers Credit Union

Headquarters: Tulsa, OK

Assets: $490 million

Phone: 800-234-8828; 918-743-9861

E-mail: memberservices ttcu.com

Web Site: www.ttcu.com

Total E-Banking Users: 6,500

E-Banking Program Name: Web PB

Launch Date: July 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: view account data, transfer funds, mortgage services, automobile loan services, credit card services

E-Banking Service Provider: NetZee

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

U.S. Bancorp.

Headquarters: Minneapolis, MN

Assets: $160 billion

Phone: 800-846-4646; 612-973-1111

E-mail: ubankpc usbank.com

Web Site: www.usbank.com

Total E-Banking Users: 1,327,898

E-Banking Program Name: UBank Online Express

Launch Date: 1996

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill presentment, bill payment, brokerage services, mortgage services, credit card services

E-Banking Service Provider: N/A

E-Billing Provider: CheckFree

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

United States Senate Federal Credit Union

Headquarters: Washington D.C.

Assets: $217 million

Phone: 800-374-2758; 202-224-2907

E-mail: service ussfcu.org

Web Site: www.ussfcu.org

Total E-Banking Users: 14,000

E-Banking Program Name: CU Online

Launch Date: 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services, credit card services, insurance

E-Banking Service Provider: Symitar Systems

E-Billing Provider: N/A

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

University of Iowa Community Credit Union

Headquarters: Iowa City, IA

Assets: $260 million

Phone: 800-397-3790; 319-339-1002

E-mail: uiccu avalon.net

Web Site: www.uiccu.org

Total E-Banking Users: 6,750

E-Banking Program Name: CU Online

Launch Date: December 1998

E-Banking Fee: None

E-Banking Discounts: N/A

Functionality: open accounts, view account data, transfer funds, bill payment, mortgage services, automobile loan services

E-Banking Service Provider: Electronic Data Systems

E-Billing Provider: Electronic Data Systems

Wireless Banking: N/A

Total Wireless Banking Users: N/A

Wireless Banking Services Provider: N/A

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