11.   Consumers continue to appreciate the conveniences of e-mail, chat rooms, online banking, instant messaging, e-commerce, and much more.

12.   Consumer online banking chief Sharon Osberg, recently promoted to executive vice president, will report to Ostler.

13.   Despite such problems, online banking has its advantages.

14.   Doing your online banking on a Saturday or Sunday, he said, should produce results very much like your experience with the demo.

15.   Financial service companies are more aggressive about online banking than they have been here.

16.   Fleet stopped advertising its online banking to help stem the increase in costs, he said.

17.   For customers, the benefits of online banking are fairly clear.

18.   For instance, I selected banking and got a long list of banks that allow online banking.

19.   For an interesting discussion of online banking, as well as rankings by various attributes, go to www.gomez.com and click on Banks.

20.   I also do online banking and bill paying.