online bank

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oh,my friends I need your help,nowadays my team have a new subject on the online banks ,compared with other online bank in USA,and other European country ,but we still need some materials in details ,such what you do while using online bank ,and what is the online bank you hope ,any suggestion that you want the online bank should have. because I am a student in China ,xiamen University ,I can't go to the USA to experence the service ,I am gold to receive your advices or your experences. Thank you very much!!