(MONEY Magazine) – Here's a way to get a wedding present you can really use: In a little-known program offered by at least three dozen banks nationwide--including Fleet Mortgage (888-466-3353) and PNC Mortgage (800-422-6537)--you can set up a designated savings or money-market account for friends and family to contribute to that is earmarked specifically for a down payment on a home but can also be tapped for other needs.

For details and a list of lenders with bridal registry programs, call the Federal Housing Authority toll-free at 800-225-5342 or visit the Department of Housing and Urban Development online at www.hud.gov.

--Kelly Smith