"There is a segment of banking customers that wants to deal with a familiar face at their local bank and not a toll-free telephone number."

At Citibank, private banking customers are expected to have at least $250,000 under management.

It provides financial services to small-scale businesses and retail banking customers.

I-flex employs 5,500 people and has nearly 600 banking customers in 115 countries.

It allows online banking customers to send money to anyone with an e-mail address and a bank account in Canada.

Deutsche Bank has 1,500 local offices and 7 million retail banking customers.

Sometimes, private banking customers are given cash management services.

Small businesses and individual banking customers were totally shut off from access to their funds.

Original estimates that 15 percent of banking customers in the United States would be on line by 2000 have now been pushed back two years.

Some private banking customers say the service they get is nothing short of miraculous.