financial and banking services, namely providing checking and savings account, wire transfers of funds, and automated clearing house transaction services, providing direct access to customers, through their own personal computers, to account balance summaries, balance histories, average balance information, posted debit and credit detail information, and electronic messages respecting accounts and information respecting applicant's banking services; and enabling customers, through their own personal computers, to initiate stop payment orders, wire transfers of funds and automated clearing house transactions, and to send other electronic messages respecting their accounts