Accounts payable debiting services; Checking account services; Debit account services featuring Negotiable Paper and automated clearing house electronic funds; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Financial services, namely providing on-line stored value accounts in an electronic environment; Maintaining escrow accounts for investments; Providing bank account information by telephone; Trust management accounts; Bill Payment Services and Electronic payment, namely, electronic processing and transmission of bill payment data