Some users said that the error system itself can be an irritation.

They are also protected against what their users say and do online.

"Recent Comments" shows what users are saying about the strips.

So a user logs in and says, I want to open a new account.

All told, users say, average bills can run $150 or more a month.

But the operators and satisfied users say this does not have to be so.

The user agrees and says, yes, this is what I want to do.

Early users of the systems have been saying positive things about the new machines.

The software cannot show the fire (or fear) in a product manager's eyes, but some users say it can come close.

"We get these frantic e-mails from users saying they are totally cut off now."