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MCLEAN, Va., Jan. 10, 2000

Online Resources & Communications Corp. (Nasdaq: ORCC), a leading provider of Internet banking services, today announced the appointments of two new members of the senior management team. Stephanie Chaufournier joins the company as senior vice president of product management, and Jovian Ho has been promoted to senior vice president of information systems and technology.

In leading the company's product management group, Chaufournier will be responsible for the company's "Hub" strategy, which entails developing products that enable every client institution to become the central Internet site their customers' online financial transactions and information. Her group includes product managers for banking and bill payment, the EFT and Access Gateways, third party content, support services and product assurance.

Chaufournier has held general management responsibilities at American Express Company where she served as corporate vice president in the Office of the President. At American Express Bank, she held responsibilities in strategic planning and development and product management and marketing. She joins Online Resources from Inovix Imaging Technologies where she was chief operating officer for the high tech start-up. Chaufournier holds a B.A. from Denison University and an M.A. from Johns Hopkins University.

"Stephanie brings to our executive team a very impressive and accomplished track record and a unique set of qualifications," said CEO Matthew Lawlor. "Her experience within the top echelons of the industry will serve our clients well as we enhance our product lines. Stephanie will lead our effort to help financial institutions position themselves as the most trusted, secure and comprehensive suppliers of financial services."

Ho joined Online Resources last April from the Sallie Mae Corporation. He is responsible for the company's management information systems, systems operation, data architecture, change management, and the quality assurance of the technology systems that serve Online Resources' more than 400 financial institutions and interface with its many partner companies. He also leads the company's efforts to initiate and implement state-of-the-art data base technology and systems automation.

Prior to Sallie Mae where he spent seven years as director of data management and technology architecture, Ho was a private consultant for 12 years. He also has served in various management positions with Xerox Corp., Texas Instruments and First Republic Bank. He holds a B.S. in computer science with an emphasis in business administration from Purdue University.

"Jovian is a proven leader in information systems with the strategic vision to take us to the next level," Lawlor said. "The most recent evidence was his spearheading of our alliance with E.piphany that will enable our clients to explore and implement data mining technology."

Under Jovian's leadership, our reputation for systems reliability can only be reinforced and enhanced as we continue to help our clients capitalize on our information assets."

Chaufournier and Ho report to COO Ray Crosier.

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.

The company 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.