STANFORD UNIVERSITY was one of the birthplaces of the Internet, and STANFORD FEDERAL CREDIT UNION claims that it was the first U.S. financial institution with a Web site. One-third of its 30,000 members bank on-line. Popular are an auto financing feature linking borrowers to car dealers and a children's account that promotes saving for bicycles. Coming soon: on- line statements and bill-paying through Checkfree Corp. (www.sfcu.org)

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