As the original research presented here attests, the status of U.S.
1st Advantage Federal Credit Union
Headquarters: Newport News, VA
Assets: $285 million
Phone: 800-359-7650; 757-877-2444
E-mail: advantagemail
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
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,
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
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,
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
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,
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
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,
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
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,
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
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,
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
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,
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
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,
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,
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 Montreal
Headquarters: Montreal, Canada
Assets: $235 billion (Canadian)
Phone: 888-491-0000
E-mail: feedback
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,
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
BankDirect
Headquarters: Dallas, TX
Assets: $1 billion
Phone: 877-839-2737; 972-560-4501
E-mail: customerservice
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,
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,
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
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,
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
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
Web Site: www.calcoastcu.org
Total E-Banking Users: 8,250
E-Banking Program Name: CU
Launch Date: November 1997
E-Banking Fee: None
E-Banking Discounts: N/A
Functionality: 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
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
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,
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;
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,
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
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,
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
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,
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,
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
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
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
Web Site: www.colonialbank.com
Total E-Banking Users: N/A
E-Banking Program Name: b
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
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
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,
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
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,
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
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,
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
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,
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
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
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,
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
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,
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
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,
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
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,
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
E*Trade Bank
Headquarters: Arlington, VA
Assets: $12.7 billion
Phone: 800-ETBANK1; 703-247-3700
E-mail: bankinginfo
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,
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
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,
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
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,
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,
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
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,
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,
First Citizens Bancshares
Headquarters: Raleigh, NC
Assets: $11 billion
Phone: 888-323-4732; 919-716-7000
E-mail: info
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
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,
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
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,
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,
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
Functionality: open accounts, view account data, transfer funds,
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
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
E-Banking Discounts: N/A
Functionality: open accounts, view account data, transfer funds,
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
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,
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,
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
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
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
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
Functionality: open accounts, view account data, transfer funds,
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
Web Site: www.hibernia.com
Total E-Banking Users: 100,000
E-Banking Program Name: Bank Online
Launch Date: March 1999
E-Banking Fee: None
E-Banking Discounts: N/A
Functionality: open accounts, view account data, transfer funds,
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
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
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
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,
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
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,
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
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,
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
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,
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
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,
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
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,
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
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,
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
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,
E-Bank
Headquarters: Merritt Island, FL
Assets: $212 million
Phone: 800-662-5257; 321-455-9400
E-mail: kscfcu
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
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
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
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
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
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
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
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
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
Web Site: www.nihfcu.org
Total E-Banking Users: 10,699
E-Banking Program Name: CU
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
