11.   Bank customers should do their homework before striking a deal with a securities rep, Roper said.

12.   Bank customers who swear off using tellers will get a break from the Chase Manhattan Bank after its merger with Chemical Bank is completed over the Labor Day weekend.

13.   Bank customers, encountering long holds, complained that delayed access to deposited funds impeded the expeditious use of their checking accounts.

14.   Bank customers, too, could boycott the ATM machines that charge absurdly high fees.

15.   Bank customers are fully protected from theft, he says, as long as they are not found to have been negligent.

16.   Bank customers can receive even more services online.

17.   Bank customers love to hate fees.

18.   Bank customers typically pay a fee to their bank when they use an ATM machine owned by another bank.

19.   Bank customers who were too expensive to service can become good business over the Internet.

20.   Bank customer Kurt Polzin, a San Francisco kindergarten teacher, felt otherwise.