Exhibit 10.14
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                    EMPLOYMENT AND NON-COMPETITION AGREEMENT

         THIS AGREEMENT is made and entered into as of the 12th day of January
2001, by and between InteliData Technologies Corporation, a Delaware corporation
(the "Company"), and Charles A. White (the "Executive").

                                    RECITALS

         WHEREAS, the Board of Directors of the Company expects that the
Executive will continue to make substantial contributions to the growth and
prospects of the Company; and

         WHEREAS, the Board of Directors desires to maintain for the Company the
services of the Executive, and the Executive desires to remain employed by the
Company, all on the terms and subject to the conditions set forth herein.

                                   AGREEMENTS

         NOW, THEREFORE, in consideration of the mutual covenants contained
herein, and for other good and valuable consideration, the receipt and adequacy
of which are hereby acknowledged, the parties agree as follows:

1.       EMPLOYMENT OF EXECUTIVE.
         -----------------------

         1.1.   Duties and Status. The Company hereby engages and employs
                -----------------
the Executive for the Employment Period, as defined in Section 3.1 herein, and
the Executive accepts such employment, on the terms and subject to the
conditions set forth in this Agreement. During the Employment Period, the
Executive shall faithfully exercise such authority and perform such duties on
behalf of the Company as are normally associated with his title and position as
the Vice Chairman, Corporate Development or such other duties or position as the
Chief Executive Officer of the Company shall determine.

        1.2.    Time and Effort. During the Employment Period, the Executive
                ----------------
shall devote his full business time and attention to his duties on behalf of the
Company.  Notwithstanding the foregoing,  the Executive may participate fully in
social,  charitable,  civic  activities and such other  personal  affairs of the
Executive as do not interfere  with  performance  of his duties  hereunder.  The
Executive may serve on the boards of directors of other companies, provided that
such activities do not unreasonably interfere with the performance of and do not
involve a conflict of interest  with his duties or  responsibilities  hereunder.
Each board of directors upon which the Executive serves as of the date hereof is
deemed  to  have  been  approved  by  the  Company;   provided  that  each  such
directorship  shall be subject to further  review by the Company upon a material
change in the business of the subject company.

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2.       COMPENSATION AND BENEFITS.
         -------------------------

        2.1.    Annual Base Salary. The Company shall pay the Executive an
                -------------------
annual base salary as determined from time to time by the Chief Executive
Officer of the Company or the Board of Directors of the Company or designated
committee thereof ("Annual Base Salary"), which shall not be less than $200,000
per year. The Executive's Annual Base Salary shall be payable in equal
installments in accordance with the practice of the Company in effect from time
to time for the payment of salaries to officers of the Company but in no event
less frequently than semi-monthly. The Executive's performance shall be reviewed
at least annually and he shall be entitled, but not guaranteed, to receive such
raises as may from time to time be approved by the Chief Executive Officer or
the Board of Directors or designated committee thereof.

        2.2.    Expenses. The Company shall pay or reimburse the Executive
                ---------
for all reasonable expenses actually paid or incurred by the Executive during
the Employment Period in the performance of the Executive's duties under this
Agreement in accordance with the Company's employee business expense
reimbursement policies in effect from time to time, but in no event less
frequently then monthly.

        2.3.    Bonuses, Etc. The Executive shall be entitled to receive
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such annual bonus compensation in respect of each fiscal year of the Company
(the "Bonus"), and to participate in such bonus, profit-sharing, stock option,
incentive, and performance award plans and programs, if any, as may from time to
time be determined by the Board of Directors or designated committee thereof.

        2.4.    Benefits. The Executive shall be entitled to receive such
                ---------
employee benefits including, without limitation, any and all pension,
disability, group life, sickness, accident and health insurance programs, as the
Company may provide from time to time to its salaried employees generally, and
such other benefits as the Compensation Committee of the Board of Directors may
from time to time establish for the Company's executives.

        2.5.    Vacation. The Executive shall be entitled to paid vacation  of
                --------
not less than four weeks per calendar year.

3.       TERM AND TERMINATION.
         --------------------

        3.1.    Employment Period. Subject to Section 3.2 hereof, the
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Executive's "Employment Period" shall commence on the date of this Agreement and
shall terminate on the earlier of: (i) the close of business on January 12,
2002, provided however, such period shall automatically renew for subsequent
12-month periods unless either party provides written notice of termination to
the other party at least 60 days prior to the date of such termination then in
effect; or (ii) the death of the Executive.

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        3.2.    Termination  of  Employment.  Each  party shall have  the  right
                ----------------------------
to terminate the Executive's  employment  hereunder before the Employment Period
expires to the extent, and only to the extent, permitted by this Section.

                (a)     By the Company for Cause. The Company shall have the
                        -------------------------
right to terminate the Executive's employment at any time upon delivery of
written notice of termination for Cause (as defined below) to the Executive
(which notice shall specify in reasonable detail the basis upon which such
termination is made) if the Chief Executive Officer or the Board of Directors
determines that the Executive: (i) has stolen or embezzled Company funds or
property, (ii) has been convicted of a felony or entered a plea of "nolo
contendre" which in the reasonable opinion of the Chief Executive Officer or the
Board brings the Executive into disrepute or is likely to cause material harm to
the Company's business, customer or supplier relations, financial condition or
prospects, (iii) has, after not less than ten (10) days prior written notice
from the Chief Executive Officer of the Company or the Board of Directors,
willfully failed to perform or persistently neglected (other than by reason of
illness or temporary disability, regardless of whether such temporary disability
is or becomes Total Disability, or by reason of approved vacation or leave of
absence) any duties or responsibilities assigned to the Executive or normally
associated with the Executive's position to the detriment of the Company, its
reputation or its prospects, (iv) has demonstrated insubordination or the
refusal to carry out directives, or (v) has willfully violated or breached any
provision of this Agreement or any law or regulation to the material detriment
of the Company, its reputation or its business (collectively, "Cause"). In the
event that the Executive's employment is terminated for Cause, the Executive
shall be entitled to receive only the payments referred to in Section 3.3(d)
hereof.

                (b)     By the Company Upon Total Disability. The Company
                        -------------------------------------
shall have the right to terminate the Executive's employment on fourteen (14)
days' prior written notice to the Executive if the Board of Directors or Chief
Executive Officer of the Company determines that the Executive is unable to
perform his duties by reason of Total Disability, but any termination of
employment pursuant to this subsection (b) shall obligate the Company to make
the payments referred to in Section 3.3(b) hereof. As used herein, "Total
Disability" shall mean the inability of the Executive due to physical or mental
illness or injury to perform his duties hereunder for any period of 180
consecutive days or 180 days in the aggregate in any 365-day period.

                (c)     By the Company Other Than for Cause or Upon Death
                        --------------------------------------------------
or Total Disability. The Company shall have the right to terminate the
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Executive's employment, other than for Cause or upon the Executive's death or
Total Disability in the Company's sole discretion, but any termination of
employment pursuant to this subsection (c) shall obligate the Company to make
the payments referred to in Section 3.3(c) hereof.

                (d)     By the Executive. The Executive shall have the
                        -----------------
right to terminate his employment hereunder (i) upon the failure of the Company
to make any required payment to the Executive hereunder, which failure continues
unremedied for ten (10) days after the Executive has given the Chief Executive
Officer or the Board of Directors written notice of such failure, or any
material failure by the Company to comply with any of the provisions of this
Agreement
<page>

(other than a failure to make a required payment), which failure
continues unremedied for fourteen (14) days after the Executive has given the
Board of Directors written notice of such failure, (ii) upon a Change of Control
and a substantial diminution of the Executive's duties or responsibilities
compared to the Executive's duties or responsibilities immediately prior to the
change of control, or (iii) otherwise after thirty (30) days' prior written
notice to the Company. In the event that the Executive elects to terminate his
employment pursuant to subsection (d)(iii), the Executive shall be entitled to
receive only the payments referred to in Section 3.3(d) hereof. In the event the
Executive elects to terminate his employment pursuant to subsection (d)(i) or
(d)(ii), the Executive shall be entitled to receive the benefits referred to in
Section 3.3(c) hereof.

     A "Change in Control"  shall be deemed to have  occurred if the  conditions
set forth in any one of the following paragraphs shall have been satisfied:

                (i)     Any person, or any persons acting together which
would constitute a "group" for purposes of section 13(d) of the Securities
Exchange Act of 1934, together with any affiliate thereof shall beneficially own
(as defined in Rule 13d-3 under the Securities Exchange Act of 1934, as amended)
at least 50% of the total voting power of all classes of capital stock of the
Company entitled to vote generally in the election of directors of the Company;
or

                (ii)    Any event or series of events that results in the
Directors on the Board of Directors, who were Directors prior to the event or
series of events, to cease to constitute a majority of the Board of Directors of
any parent of or successor to the Company; or

                (iii)   The merger, consolidation or reorganization (a) in
which the Company is the continuing or surviving corporation, (b) in which the
Company is not the continuing or surviving corporation, or (c) pursuant to which
the Company's common stock would be converted into cash, securities or other
property, except in the case of either (a), (b), or (c), a consolidation or
merger of the company in which the holders of the Common Stock immediately prior
to the consolidation or merger have, directly or indirectly, at least a majority
of the total voting power of all classes of capital stock entitled to vote
generally in the election of directors of the continuing or surviving
corporation immediately after such consolidation or merger in substantially the
same proportion as their ownership of Common Stock immediately before such
transaction ; or

                (iv)    The consummation of a tender or exchange offer for
shares of the Company's Common Stock (other than tender or exchange offers made
by the Company or Company-sponsored employee benefit plans); or

                (v)     The  sale  or  transfer  of all  or  substantially  all
of the assets of the Company to an unaffiliated corporation, person or entity;
or

                (vi)    The Board of Directors of InteliData approves a
plan of complete or partial liquidation of InteliData or an agreement for the
sale or disposition by InteliData of all or substantially all of its assets.

<page>

     For  purposes of this  Section,  "Person"  shall have the meaning  given in
Section  (3)(a)(9) of the Exchange  Act, as modified and used in Sections  13(d)
and 14(d) thereof; however, a Person shall not include (i) the Company or any of
its  subsidiaries  or  affiliates,  (ii) a trustee  or other  fiduciary  holding
securities  under  an  employee  benefit  plan  of  the  Company  or  any of its
subsidiaries, (iii) an underwriter temporarily holding securities pursuant to an
offering  of  such  securities,   or  (iv)  a  corporation  owned,  directly  or
indirectly,  by the  stockholders  of the  Company  in  substantially  the  same
proportions as their ownership of stock of the Company.

        3.3.    Compensation and Benefits Following Termination. Except as
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specifically provided in this Section, any and all obligations of the Company to
make payments to the Executive under this Agreement shall cease as of the date
the Employment Period expires under Section 3.1 or as of the date the
Executive's employment is terminated under Section 3.2, as the case may be. The
Executive shall be entitled to receive only the following compensation and
benefits following the termination of his employment hereunder:

                (a)     Upon Death. In the event that the Employment Period
                        ----------
terminates pursuant to Section 3.1(ii) on account of the death of the Executive
(i) the Company shall pay to the Executive's surviving spouse or, if none, his
estate, a lump-sum amount equal to the sum of the Executive's earned and unpaid
salary through the date of his death, any Bonus agreed to by the Company but not
yet paid to the Executive, additional salary in lieu of Executive's accrued and
unused vacation, any unreimbursed business and entertainment expenses in
accordance with the Company's policies, and any unreimbursed employee benefit
expenses that are reimbursable in accordance with the Company's employee benefit
plans (collectively, the "Standard Termination Payments"), and (ii) death
benefits, if any, under the Company's employee benefit plans shall be paid to
the Executive's beneficiaries as properly designated in writing by the
Executive.

                (b)     Upon Termination for Total Disability. In the event
                        -------------------------------------
that the Company elects to terminate the employment of the Executive pursuant to
Section 3.2(b) because of his Total Disability, (i) the Company shall pay to the
Executive a lump-sum amount equal to the Standard Termination Payment, and (ii)
the Executive shall be entitled to such disability and other employee benefits
as may be provided under the terms of the Company's employee benefit plans.

                (c)     Upon Termination Other Than for Cause or Upon Death
                        ---------------------------------------------------
or Total Disability. In the event that the Company elects to terminate the
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employment of the Executive pursuant to Section 3.2(c) or the Executive
terminates under Section 3.2(d)(i) or 3.2(d)(ii), the Company shall pay to the
Executive within 30 (thirty) days of such termination a lump-sum amount equal to
(i) the Standard Termination Payment; (ii) any bonus earned but not yet paid
under any bonus plan then in effect at the time of termination; (iii) 100% of
the Annual Base Salary; and (iv) any and all options granted to the Executive
(the "Options") shall be amended to provide for continued vesting for twelve
(12) months and to be exercisable for the longer of (a) twelve (12) months after
the Termination Date, or (b) the period for exercise upon Termination as
provided in the Option Agreement. Provided, however, no Option shall be extended
beyond

<page>

any Option expiration date or period established by the Option Plan
authorizing such Option grant. The Company shall also be obligated to provide
continued coverage at no cost to Executive under the Company's medical, dental,
life insurance and total disability benefit plans or arrangements with respect
to the Executive for a period of six (6) months following the date of any
termination of employment pursuant to Section 3.2(c). From the date of such
notice of Termination other than for cause or upon death or Total Disability
through the Termination Date, the Executive shall continue to perform the normal
duties of his employment hereunder, and shall be entitled to receive when due
all compensation and benefits applicable to the Executive hereunder. The
Executive shall have no obligation whatsoever to mitigate any damages, costs or
expenses suffered or incurred by the Company with respect to severance
obligations set forth in this Section 3.3(c), and no such severance payments
received or receivable by the Executive shall be subject to any reduction,
offset, rebate or repayment as a result of any subsequent employment or other
business activity by the Executive. In addition, for termination pursuant to
Section 3.2(c) subsequent to a Change of Control or 3.2(d)(ii), any and all
Options granted but not vested to the Executive shall become immediately vested
and nonforfeitable and the Executive shall have the life of the Option to
exercise such Options.

                (d)     For Cause or By the Executive. In the event that
                        -----------------------------
the Company terminates the employment of the Executive pursuant to Section
3.2(a) for Cause or the Executive terminates his employment pursuant to Section
3.2(d)(iii), the Executive shall be entitled to receive an amount equal to
previously earned but unpaid salary or bonuses through the effective date of
such termination, as well as salary in lieu of accrued and unused vacation,
entertainment expenses in accordance with Company policies, and reimbursable
employee plan benefits.

        3.4.    Survival of Non-Competition and Confidentiality Agreements.
                -----------------------------------------------------------
Any provision of this Agreement to the contrary notwithstanding, if the
employment of the Executive hereunder is terminated for any reason, the
provisions and covenants of Sections 4 and 5 hereof shall nevertheless remain in
full force and effect in accordance with their respective terms.


4.       NON-COMPETITION, NON-HIRE, AND NON-DISPARAGEMENT.
         ------------------------------------------------

        4.1.    Scope.
                -----

                The Executive  covenants and agrees that during the term of this
Agreement and for so long as he remains an employee of the Company and
thereafter  for a period of 12 months  following  termination  of this Agreement
(the  "Non-Competition  Period"),  he will not,  nor will he permit any  person,
firm,  corporation,  partnership  or other  entity that  directly or  indirectly
controls,  is  controlled  by or is under  common  control  with  the  Executive
(collectively, "Affiliate") to, directly or indirectly:

<page>

                (a)     solicit for employment any employee of the Company (and
it shall be presumed to be a violation of this covenant if a subsequent employer
of Executive  hires an employee of the Company unless  Executive can demonstrate
to Company's  reasonable  satisfaction that the Executive had no knowledge of or
participation in the solicitation and hiring of the employee);

                (b)     solicit the business of any customer of the Company with
respect to businesses of the type referred to in  subsection 4.1  (c) hereof;

                (c)     engage in any  business of the type conducted  as of the
date hereof by the  Company,  which shall be limited to home banking software;

                (d)     engage in any business substantially similar to that of
the Company in a geographic area within fifty (50) miles of the Company
headquarters at which the Executive was previously located;

                (e)     make any direct or  indirect  investment  in any person,
firm,  corporation,  partnership  or other  entity  that  engages or proposes to
engage in the business of the Company; or

                (f)     make any  comments,  whether written or unwritten, which
disparage  the  services  and  products  provided  by the  Company  or which are
critical of the performance or professionalism of the officers,  employees,  and
Boards of Directors of the Company and any affiliated companies.

provided however, that this Section shall not be construed to prohibit the
Executive from owning less than an aggregate of 5% of any class of capital stock
of any corporation that is traded on a national securities exchange or
inter-dealer quotation system.

        4.2.    Enforcement and Construction. If in any judicial proceeding
                ----------------------------
a court shall refuse to enforce as written the covenant set forth in Section
4.1, then such covenant shall be limited and restricted in scope and duration to
the extent necessary to make such covenant, as so limited and restricted,
enforceable. Notwithstanding the foregoing, it is the intent and agreement of
the parties that Section 4.1 be given the maximum force, effect, and application
permissible under applicable law.

        4.3.    Limitations. The restrictions set forth above shall immediately
                -----------
terminate and shall be of no further force or effect in the event of a default
by the Company in the payment of compensation or benefits to which the Executive
is entitled hereunder, which default is not cured within ten (10) days after
written notice thereof to the Company.

<page>





5.      CONFIDENTIALITY.
        ---------------

        (a)     Except as specifically authorized by the Company in writing,
from the date hereof and continuing forever, the Executive agrees that he will
not, directly or indirectly, (i) disclose any Confidential Information (as
defined below) to any person or entity, or otherwise permit any person or entity
to obtain or disclose any Confidential Information, or (ii) use any Confidential
Information for the Executive's benefit, whether directly or on behalf of any
person or entity. In the event that the Executive is requested or required (by
oral question or request for information or documents in any legal proceeding,
interrogatory, subpoena, civil investigation demand or similar process) to
disclose any Confidential Information, he will notify the Company within a
reasonable period of time of the request or requirement so that the Company may
seek an appropriate protective order or waive compliance with the provisions of
this Section 5. If, in the absence of a protective order or the receipt of a
waiver hereunder, the Executive, on the advice of counsel, is compelled to
disclose any Confidential Information to any tribunal or else stand liable for
contempt, the Executive shall use his reasonable efforts to obtain, at the
request of the Company, an order or other assurance that confidential treatment
will be accorded to such portion of the Confidential Information required to be
disclosed as the Company shall designate.

        (b)     For purposes hereof, the term "Confidential Information"
means (i) information concerning trade secrets of the Company; (ii) information
concerning existing or contemplated products, services, technology, designs,
processes and research or product developments of the Company; (iii) information
concerning business plans, sales or marketing methods, methods of doing
business, customer lists, customer usages and/or requirements, or supplier
information of the Company; and (iv) any other confidential information which
the Company may reasonably have the right to protect by patent, copyright or by
keeping it secret or confidential. The term "Confidential Information" will not,
however, include information which (a) at the time of disclosure or thereafter
is generally available to and known by the public (other than as a result of a
disclosure directly or indirectly by the Executive in violation of this
Agreement), (b) at the time of disclosure was available on a nonconfidential
basis from a source other than the Company, or (c) was known by the Executive
prior to receiving the Confidential Information from the Company or has been
independently acquired or developed by the Executive without violating any of
the Executive's respective obligations under this Agreement.

6.      MISCELLANEOUS.
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        6.1.    Applicable Law and Venue. This Agreement shall be construed
                ------------------------
under and in accordance with the laws of the Commonwealth of Virginia (exclusive
of any provision that would result in the application of the laws of any other
state or jurisdiction). Any dispute arising out of this Agreement, if litigated,
shall be resolved by the courts of the Commonwealth of Virginia located in
Fairfax County or in the Federal Court for the Eastern District of Virginia, and
the parties consent to the jurisdiction of such courts.

<PAGE>
        6.2.    Headings.  The headings and captions set forth herein are for
                --------
convenience of reference only and shall not affect the construction or
interpretation hereof.

        6.3.     Notices.  Any notice or other communication  required,
                 -------
permitted, or desirable hereunder shall be hand delivered (including delivery by
a commercial  courier service) or sent by United States  registered or certified
mail, postage prepaid, addressed as follows:

                To the Executive:       Charles A. White
                                        81 Buckeye Avenue
                                        Oakland, CA  94618


                To the Company          InteliData Technologies Corporation
                or the Board of         1100 Sunrise Valley Drive, Suite 100
                Directors:              Reston, VA  20191
                                        Attention:  Chief Executive Officer

or such other addresses as shall be furnished in writing by the parties. Any
such notice or communication shall be deemed to have been given as of the date
so delivered in person or three business days after so mailed.

        6.4.    Successors  and Assigns.  This Agreement  shall be binding upon
                -----------------------

and inure to the benefit of  successors  and  permitted  assigns of the parties.
This Agreement may not be assigned, nor may performance of any duty hereunder be
delegated,  by either  party  without  the prior  written  consent of the other.
Provided, however, the Company may assign this Agreement to an Affiliate.

        6.5.    Entire Agreement; Amendments. This Agreement sets forth the
                -----------------------------
entire agreement and understanding of the parties with respect to the subject
matter hereof, and there are no other contemporaneous written or oral
agreements, undertakings, promises, warranties, or covenants not specifically
referred to or contained herein. This Agreement specifically supersedes any and
all prior agreements and understandings of the parties with respect to the
subject matter hereof, all of which prior agreements and understands (if any)
are hereby terminated and of no further force and effect. This Agreement may be
amended, modified, or terminated only by a written instrument signed by the
parties hereto.

        6.6.    Execution of Counterparts. This Agreement may be executed in two
                -------------------------
or more counterparts, each of which shall be deemed an original and all of which
together shall constitute one and the same Agreement. This Agreement may be
delivered by facsimile transmission of an originally executed copy to be
followed by immediate delivery of the original of such executed copy.

<page>


        6.7.    Severability. If any provision, clause or part of this
                ------------
Agreement, or the applications thereof under certain circumstances, is held
invalid or unenforceable for any reason, the remainder of this Agreement, or the
application of such provision, clause or part under other circumstances, shall
not be affected thereby.

        6.8.    Incorporation  of Recitals.  The Recitals to this Agreement are
                ---------------------------
an integral part of, and by this reference are hereby incorporated into,
this Agreement.


     IN WITNESS WHEREOF,  the parties have executed this Agreement as of the day
and year first above written.

                                          INTELIDATA TECHNOLOGIES CORPORATION:


                                          /s/ Alfred S. Dominick, Jr.
                                          ----------------------------------
                                          Alfred S. Dominick, Jr.
                                          President and Chief Executive Officer


                                          EXECUTIVE:


                                          /s/ Charles A. White
                                          ----------------------------------
                                          Charles A. White