It has become an indispensable tool for many people to manage their time and money more efficiently.

Use on-line banking services to check account balances, pay bills, transfer funds between accounts or determine whether checks are outstanding or paid. By the end of 1998, 6.6 million households conducted their banking on the Internet. The number is expected to increase to 32 million by 2003.Is banking on-line the convenience you've been waiting for? As with anything, there are pros and cons to banking on the Net. The most important question you must ask yourself is: am I ready to manage my money electronically? You're ready to get started if you own a computer and have a checking or savings account and Internet access with Web browsing software. If you travel often and don't always have time to write checks and pay bills, iBank will make life easier. You're able to complete your banking transactions anytime from anywhere. If you have several accounts, numerous bills, and are short on time, banking on-line can provide flexibility in your busy schedule and create an organized manner to handle your money management responsibilities. Is on-line banking secure? Yes! You may not know that transactions are encrypted using secure socket layers, which protect your financial transactions on-line. An unbroken key or locked padlock icon at the bottom of your Web page indicates data transmitted from that page cannot be altered en route over the Internet. If you're still concerned, a conversation with our iBank manager, Mike Babnick may ease your mind.