Not working up to its potential. If online banking were to receive a report card, that's what it might say.

Leaders in Internet banking offer a wide range of services, full integration of the Internet with other delivery channels, intensive marketing of their Internet service and strong customer service support. But a gap looms between the leaders and what smaller banks can offer. Internet banking, often considered a way for community banks to draw even with their big city competition, could actually widen the gap between them.

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