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I have been using online banking, in some capacity, for about 6
years now. I never had one problem ever. I actually feel much more
secure than I did in previous years. I feel more secure than offline
banking.
Here are the real reasons:
1. Speed-
If I find an inaccuracy or fraud committed against me, I will catch
within 1-2 days as opposed to the old wait for the statement to
come method (30-35 days).
2. Guarantees-
Every online bank I have an account with guarantees my money, if
someone steals it. Even if my computer is filled with Malware and
Key Logger software. They take a zero-liability approach. If I was
held up at an ATM, off runs my cash. Not all banks are required
to refund your money under all circumstances.
3. Security is taken seriously-
Have you ever written a check at a local department store? You
hand the check to a 15-year old.... They then jam it in a drawer
that can be opened with a pencil... You just intrusted your checking
account number and routing number to some one who doesn't even know
what those numbers mean. Most online banks are being forced by the
government to consider this information vital.
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