41.   Customers turned off by the megabanks, said Moynihan, often prefer the service and personal touch the smaller banks can offer.

42.   Eight other Massachusetts banks offered free checking with the regular direct deposit of a payroll, pension or goverment check.

43.   Flint said consolidation likely will occur, but Midland will not be forced to merge with anyone because no other bank offers such a large international network.

44.   Falling bond yields increase the attractiveness of the higher than usual dividend payments banks offer.

45.   For example, the bank will offer daily courier service for noncash items.

46.   For the first time, the central bank agreed to allow local banks to offer mortgages to foreign buyers.

47.   Harvey Radin, a BankAmerica Corp. spokesman, contends the bank offers a high level of convenience with its expansive branch and automated teller network.

48.   If customers can get a Visa card with the interest rate and features they want, why would they care which bank actually offered the card?

49.   If your current bank offers a direct connection to your personal finance program, you can pay bills electronically through that bank.

50.   In addition, banks are offering new mortgage loans that can be used to buy equipment such as washing machines and stoves.