51.   Most online banks use third-party check consolidators like Checkfree to process the checks from online accounts, send them along and disburse the money.

52.   Moreover, banks are using ATMs, the Internet and telephone sales centers to transact more business at lower cost.

53.   Most banks also use credit scoring, a computer model that relies heavily on a credit history analysis.

54.   Now, banks are increasingly using their securities expertise to give them an edge over competitors in the mergers and acquisitions arena.

55.   Now, of course, most banks use their own deposits to finance loans.

56.   Often the bank uses money market rates instead of official rates to control monetary policy.

57.   Once the OCC approves a few applications for the same service, other banks could use those approvals to set up their own divisions.

58.   Ordinarily only troubled banks use it to borrow from the central bank as a lender of last resort.

59.   Rather, the capital cushions banks use to absorb losses are too thin for another year of big write-offs.

60.   Plus all the other upscale things banks use to establish an identity of solidity and permanence.