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Banking; on-line banking services; credit union services; mortgage banking; electronic funds transfer; electronic payment, namely, electronic processing and transmission of bill payment data; account payment and monitoring services, namely, bill payment services; financial portfolio management; financial information provided by electronic means; financial information processing; investment management, consultation, and brokerage; automated financial clearing house; financial clearing house; providing financial account management and information; providing financial account balancing via a global computer network and telecommunications networks; providing financial account and data management, namely, providing aggregation of information about multiple financial accounts and data via a global computer network and telecommunications networks; computer services, namely, providing customized online web pages to track and review utility accounts and information in the nature of bill payment and consolidation service