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Technology Stocks : CheckFree Holdings Corp. (CKFR), the next Dell, Intel?

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To: Brooks Jackson who wrote (8386)	7/25/1999 1:03:00 PM
From: D Mueller	Read Replies (1) of 20297

OT I posted yesterday that I had switched my accounts from Bank One. There were really a number of reasons I decided to leave them. 1) If you walk into a branch (at least the branch I was dealing with) and have a question about on-line banking they look at you like you have two heads. Many of their employees are not even familiar with the service. 2) Fees! Fees! Fees! As an example, In my June statement the annual fee for the safe deposit box was listed. This was the fee for the next 12 months. Within a week of getting the statement I decided to close the box out and asked for an adjustment. They told me they did not adjust for this charge and I should have notified them before the new year started. Only after I threatened to close my accounts did they adjust the fee. 3) Poor Customer Service! I was issued a new debit card and changed the PIN number on it. The on-line accounts use the debit card PIN and somehow I got locked out of my on-line accounts when the change occurred. When I called customer service, after many conversations, I was told I would have to go into a branch to get it taken care of "for security reasons". Kinda' defeats the purpose of on-line banking if I have to go into the branch!!! 4) Unreliable System! Never used Bank One for Bill Pay and that's just as well. The straw that broke the camels back for me was when I was transferring a fair amount of money from one account to another. I got an error message on-line that said the transaction did not go through try again later. I tried a few hours later with no problem. Lo and behold if the several days later I didn't get notices in the mail being overdrawn on my checking account. The transactions that they said had not gone through in the on-line error message in fact had been debited to my checking account. When I talked to my customer service rep she said it happens more frequently than you would think. With that I stopped doing business with them. The only business they have left with me is a small home equity loan. Don

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