FIRST TENNESSEE

When it comes to banking, sometimes convenience is what's important. It's a good thing First Tennessee is there when you need it. All you need to take care of your finances is a computer and a modem. First Tennessee gives you access to your banking accounts, monthly banking statements, brokerage accounts, mortgage accounts and trust accounts at practically any time and any place, all for free.

So whether you're clicking away at your laptop from 10,000 feet in the air or sitting at home at 3 a.m. watching reruns of "Jerry Springer," First Tennessee is open for business, even when the sign out front says "closed."

Runners-up: AmSouth and Sun Trust