The first customer for AT&T Co’s Smart Phone is Columbus, Ohio-based Huntington Bancshares Inc of Columbus, Ohio: the Smart Phone has a telephone handset and a touch-activated screen, which guides the user through service menus to enable customers to access financial and information services; Huntington customers will be able to use Smart Phones to pay bills, transfer funds, check account balances and access banking and information services – ordering products and travel; the Huntington is working with AT&T Bell Laboratories to build its system at a cost of about $10m in the first year of service and it hopes to be able to recoup a lot of the cost by signing financial institutions outside its service area to contract with The Huntington to offer Smart Phone services; AT&T will provide at least 10,000 Smart Phones to the Huntington to pass on to customers that take the service – they will pay a flat fee of $20 to $25 for access to all services after they pay a $100 signing fee.