1.   More recently, banks have offered customers the opportunity to change to PC or telephone banking.

2.   BankBoston can distinguish itself from local banks with new technology that permits more home or telephone banking for affluent Peruvian clients, he said.

3.   By that time, two years from now, Chase will have a lot of competition in telephone banking.

4.   If it did go into effect, they said the banks would arrange emergency services for their customers, including telephone banking and fully stocked banking machines.

5.   In addition, Wells uses technology such as automated teller machines and telephone banking as a substitute for personal service.

6.   Instead it has concentrated on electronic banking and telephone banking to offer a full-range of banking services at lower costs.

7.   Most of the banks that are active with telephone banking are also working to offer their services through personal computer programs or over the Internet.

8.   Some are even offering telephone banking.

9.   The bank, which pioneered telephone banking in Scotland in partnership with a grocery chain, agreed in March to start a similar venture with Robertson.

10.   The change also might encourage more customers to test little-used types of electronic banking, such as home banking and screen-based telephone banking.