First Chicago NBD (Chicago, IL; $107 billion; 2.5 million ATM cards), despite being an early PC banking entrant, still has only achieved a 0.67% (20,000 subscribers) penetration of its 3 million deposit accounts. New initiatives such as introducing Quicken/Money access to customers of the former NBD in Michigan and Indiana are expected to bring online banking penetration to 2.5% (75,000) by year-end. Other plans include Web-based account access in second quarter followed by Web-based bill payment in third quarter. Tim Kemp is VP/Product Manager, 312.732.4000.
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