20090018956 | PERIODIC E-MAIL DELIVERY OF BANK ACCOUNT INFORMATION - A computer-based banking method including the steps of (1) creating an account for a customer into which funds may be deposited and from which funds may be paid upon request to designated payees; (2) allocating funds deposited by the customer to the account; (3) transferring funds upon request from the account to designated payees subject to fund availability, wherein the allocated funds are debited by amount of funds transferred to provide a lowered account balance against which future transfers are evaluated; and (4) automatically sending a periodic e-mail to the fund depositor with information including the lowered account balance. Accounts in which monthly itemized statements are generated that may be accessed by the customer using their home personal computer are also disclosed. | 01-15-2009 |