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MCLEAN, Va., Jan. 6, 2000

Online Resources & Communications Corp. (Nasdaq: ORCC), a leading provider of Internet banking services, announced today that Ervin Shames, former president & CEO of Borden, Inc., has been elected to the company's board of directors.

Prior to Borden, Shames served as president of General Foods USA and as chairman, president and CEO of Stride Rite Corporation. At Borden in the mid-1990s, Shames was responsible for restructuring its wide-ranging businesses and returning the company to profitability. As president of General Foods USA, he led the company's considerable expansion through both internal development and acquisition. At Stride Rite Corporation, Shames oversaw the rapid growth of its Keds business.

Matthew P. Lawlor, chairman of Online Resources, said Shames' experience in the consumer marketing arena will be a tremendous asset to the company. "As we continue to expand our marketing programs, Erv's consumer marketing expertise and guidance will be invaluable," Lawlor said. "I look forward to his counsel as we aggressively assume the consumer acquisition and cross-selling programs for our clients. We're very fortunate to have someone of Erv's stature in consumer marketing join our board." Shames also has served as president of Kraft USA and on the board of First Brands Corporation.

He currently is a visiting lecturer at University of Virginia's Darden Graduate School of Business. He holds a BS degree from the University of Florida and an MBA from Harvard University and is very active in community affairs.

Shames replaces Barry Fingerhut, who has served as a director since May 1996. Fingerhut is president of Geo Capital Corp., an investment advisory firm and a General Partner of Wheatley Partners which invested in Online Resources when it was a private company. Wheatley Partners' policies discourage its management from serving on the boards of public companies.

Lawlor praised the contribution Fingerhut made to the company during his term on the board. "Barry's advice during our latter stages as a private company helped us begin our public life on strong footing," said Lawlor. "His direction and strategic advice were much appreciated."

Online Resources & Communications Corporation (http://www.orcc.com) is a leading outsourcer of privately-branded Internet financial services for regional and community banking institutions. The McLean, Virginia-based company has more than 400 institutional clients nationwide. It provides consumer bill paying and banking services and aggregates lending, insurance, securities trading and investment services. Online Resources performs real-time processing through its patented EFT gateway and full customer service for client institutions, giving them a comprehensive "hub" solution from a single vendor. Client consumer marketing programs are conducted under the bankonline.com co-brand.

This news release contains statements about future events and expectations, which are "forward-looking statements." Any statement in this release that is not a statement of historical fact may be deemed to be a forward-looking statement. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the company's actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Specific factors that might cause such a difference include, but are not limited to: the company's history of losses and anticipation of future losses; the company's dependence on the marketing efforts of third parties; the potential fluctuations in the company's operating results; the company's potential need for additional capital; the company's potential inability to expand the company's services and related products in the event of substantial increases in demand for these services and related products; the company's competition; the company's ability to attract and retain skilled personnel; the company's reliance on the company's patents and other intellectual property; the early stage of market adoption of the services it offers; consolidation of the banking and financial services industry; and those risks and uncertainties discussed in filings made by the company with the Securities and Exchange Commission, including those risks and uncertainties contained under the heading "Risk Factors" in the company's Registration Statement on Form S-1 as filed with the Securities and Exchange Commission.