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Technology Stocks : CheckFree (CKFR)
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To: Brooks Jackson who wrote (2144)3/1/1998 6:23:00 AM
From: Robert Scott   of 8545
 
Citibank is a progressive retail institution so this doesn't surprise me. Once a client is tied in so much, very reluctant to change so having this as a loss leader makes alot of sense to me.

At Mellon Bank in Pgh, I believe they charge $9.95 for on-line banking while Bank By Phone is $3.50 to $3.95. In the final analysis, banking is a commodity business so the more you tie the customer in, the more chance you have of keeping them. With on-line banking including loans and ATMs, the brick and morter advantage will slowly dwindle. I for one have absolutely no allegience to any one bank and will do business with whoever and whatever can provide me with the services I need at the lowest cost.
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