Provide guided links to telecom services: long distance, Internet services, Internet phones, stored value cards, business services, fax mail, phone equipment, fax machines, answering machines, answering services, voice mail services, toll-free number services, online yellow pages, online white pages, etc.

For added revenue, prepaid telephone services can be bundled with existing banking products. First Chicago bundles prepaid long distance on a call center access card. US Bancorp bundled prepaid long distance with an ATM card (recently discontinued after merging with First Bank System).

Establish an area on your Web where users can send faxes worldwide simply by typing their message online. This service would be beneficial to business travelers needing to fax messages to clients and prospects on the road. It could also be used as a crude printer, should the traveler need to print a quick memo by sending a fax to the hotel where they are staying

For consumers, faxing could be offered at no charge (with a cap on usage) to enhance your online banking program, or for a small transaction charge. You would almost certainly need to charge business users a transaction fee given their wide variance in usage. Figure you’ll pay a service provider about $0.05 per page faxed domestically and $0.09 and up for international faxes. Yahoo! lists 73 fax providers at www.yahoo.com/Business_and_Economy/Companies/Office_Supplies_and_Services/Administrative_Support/Fax_Services/