Ray Muth
The Life and Times of a Legendary Internet Banking Dude

About Ray

I am originally from the North Side of Pittsburgh.  I was the first of seven kids in a great family.   

The two greatest influences in my life were attending the University of Dayton (UD) where I went to college and then meeting my wonderful wife Dana.  UD Chapel

It was at UD where I really fell in love with Catholicism and became what I am today.  I was part of a tremendous fellowship group and the Marianist influence will always remain a part of me.   

As for my wife Dana, I'm not even sure where to begin.  If ever there is a case to be made for predestination, it was meeting Dana.  How do you describe someone that is far better than anything you ever imagined in a marriage partner?  How do you describe someone who is perfect for you in every way?  I describe her like this - Wonder-Wife.Ray & Dana   

Dana is not only my very beautiful wife, she is also a superstar Mom and my business partner.     

Dana's passion is horses.  A gifted athlete, she is a champion reiner.   You may even see her in the 2012 Olympics!

Fun Facts

Yes I am truly the Original Legendary Internet Banking Dude who surprised the community banking world with a new delivery system that is commonplace today.

In 1994 I wrote  a thesis for the Stonier Advanced School of Banking and the implementation of my project became the first web banking product in the U.S.  Much of the credit really belongs to a couple young Kiski Valley kids.   

I also gained a little notoriety by being the first to get regulatory approval for an array of Internet banking products including e-commerce services commonly used for merchant processing today.