banking

United States
May 9, 2007 10:58pm CST
do you prefer online banking? i love to check my account everyday, keep an eye on it, not have to listen to the balance and such over the phone, it's all right there for me to actually read and see. i hate going to the bank, and we have direct deposit, so we only have to call them if something strange comes up, and we don't have to go into the actual bank very often. ATM's are nice too, unless you have to watch which one you go to, in case there are extra fees. i just feel online banking is yet another helpful convenience for today's crazy, fast-paced lifestlye. do you agree? disagree?
4 people like this
16 responses
@daycarepal (1998)
• United States
17 May 07
I pay all my bills online and I love it!! It is very convenient. I usually sit down on Saturday or Sunday and pay all the bills in just a few minutes. I don't have direct deposit, so I do have to go to the bank once a week to make a deposit. I don't really mind doing that cause I have my deposit slip ready ahead of time and I can zoom in and out of the bank pretty quickly.
1 person likes this
• United States
18 May 07
do you use their drive-thru's to deposit? thank goodness for those at times too. helps when the kids are in the car! easier to drive thru rather than haul them in!!
• United States
19 May 07
Yes alot of the time I do use the drive thru window. If the line isn't too long.
1 person likes this
• United States
19 May 07
ugh! that's true. seems like the lines are the longest in the summers!!
@easy888 (10405)
• Australia
19 May 07
Hello,freeklelip334,I prefer to use online banking as i do not like to line up at the branches which always waste much time there.I do not always check the account balance,i will only logged on when i need to make a transfer or receive a payment. It helps us alot in this fast paces lifestyle as we can do everything by one buttons any moment in a day,and may be more and more branches will be closed down as more and more people are using the online banking.
• United States
20 May 07
yep! and you don't have to deal with rude tellers, and the lines like you mentioned. and also our fast paced life as you mentioned, that's the biggie. anything that can help us make our lives that much more convenient, well it's a keeper!! thanks for responding!
• United States
19 May 07
I prefer online banking, it is convenient, I do not like going into the bank and waiting in line. Online banking is faster and easily assessible. I also like the drive through ATM machines, make sure I go to my bank's ATM to avoid the fees too.
1 person likes this
• United States
19 May 07
i'm glad to hear that about people liking the online banking experience. cuz there are people who are afriad of online things, such as the banking, or placing orders online, paying with credit cards online...i haven't had any probs yet...
@uiwwitch (892)
• United States
17 May 07
I love online banking. It's so convenient I can do it at any time, any day. Even Sunday! I transfer funds, I pay my bills. I don't even use my checks anymore except to pay for the apartment. I also use the remittance service to send money to my Mom in the Philippines. I used to have to drive 25 minutes to send money.
1 person likes this
• United States
18 May 07
that's another feature that's great. now you don't have to drive to send that money! so much easier! and safer, cuz you get confirmation quickly! you KNOW where your money is then. and you're right, even on sunday's! now THAT'S convenience!
@elisa812 (3032)
• United States
17 May 07
Yeah, I love online banking too. It's so convenient, and I love being able to check our balance and transfer funds and everything right from the computer. My husband is in the military, so with him being all over the place and moving all the time, online banking makes things so much easier cause we don't have to worry about switching banks all the time if there's not a local branch where he's stationed. It would be so much harder to keep up with if we couldn't access everything online!
1 person likes this
• United States
18 May 07
oh my goodness! it's awesome to have online banking for your needs especially!
• United States
14 May 07
I definately prefer online banking. I have direct deposit and I pay most of my bills online. It's usually free to do so and it saves me time and stamps. I bought a book of stamps about 6 months ago and I still have a bunch left. My mother will bug me for a stamp every once and awhile so I think she is the only one who uses them. One day snail mail will be obsolete and with the constant increase in postage, I won't doubt it if that days comes sooner rather then later.
• United States
14 May 07
same here, we have direct deposits, and pay most bills online. i LOVE paying bills online...don't feel right sending them thru mail at times, what if it's lost, what if someone steals it? online i have confirmation quickly of the payment received, helps me to breathe better! ha ha. AND as you said, postage keeps going up and up. i buy stamps, use one, then the postage goes up, and i have to buy, say 2 cent stamps to make up the difference? it's not worth it for me. AND i'm not good about sending out cards for birthdays and such, miss the date to send them, so it's much easier for me to do e-cards. and people seem to be ok with that. it'll help save the environment, less paper use right? and i email constantly, don't know the last time i sent out an actual hand-written letter. some feel that is impersonal, but not me, email me anytime ya know, cuz i can get RIGHT back to you. that's how i feel anyway! thanks for your response melissa.
@4cuteboys (4102)
• United States
11 May 07
I love online banking. It even shows pending charges so I can see what my husband buys right away, haha!! I can't think of one time that I actually called the 800 number to hear my balance and what not, and I hate going thru the bank statements. They are always so big! So yep, I love online banking. It's great!!!
1 person likes this
• United States
13 May 07
OMG, LOL!!! that's so true what you say about the pending stuff. my hubby gets mad and says he can't surprise me with flowers, and pay for it on his card, or else i'll see it cuz i check it a couple times a day. it goes thru so fast i would know in an instant...of course i told him, 'yea nice excuse for NOT getting me flowers'....HA HA HA HA! however, he is right!! but i still love how quick it is!
@gabs8513 (48710)
• United Kingdom
11 May 07
Yes I like online Banking as you say it is easier to control your Account and not having to run to the Bank or phone all the time A lot of the ATM machines here now do not charge anymore there are still a few about but not many
1 person likes this
• United States
12 May 07
i love technology and the power of the web as long (as you're careful)!! so much more convenient!! and so much more access to EVERYTHING!! i never use the yellow/white pages BOOKS anymore, cuz it's so much easier to just find addresses/directions and such online!!
@anjrit (997)
• Indonesia
10 May 07
I agree with you.it make our life easily and it helpful and it safe our tme to make a transaction...
1 person likes this
• United States
10 May 07
plus we save on gas money then!! ha ha. AND don't have to talk to the clerks. i feel our bank accounts are our personal business, so this makes more sense to me to keep my business to myself, ya know.
• Hong Kong
10 May 07
I think online banking is very convenient. I hate going through the phone hitting a million bottons before gathering my information. ATM is nice but it doesn't offer as many service as online banking. Besides, you have to live close to one to be able to monitor your bank account. I love online banking not only because I could check my balance whenever I want. It also offers me the payment for bills services and some investment options. I think it's just perfect for city dwellers.
• United States
10 May 07
i totally agree! and there are so, well too many different options and buttons to push if you use the phone...it's SOOO much easier to just see it with your own eyes, much more user-friendly!
• Malaysia
31 May 07
i love internet banking haha. it makes everything so easy :P it's very convenient because you check your balance online, without having to go to the ATM machine..and queuing up for it too. i can also transfer funds which is easy coz i don't have to go to the bank hehe.
• United States
9 Jun 07
you said it girl! i agree completely!!
@LittleMel (14033)
• Canada
25 May 07
I still do my banking by mails unless I buy some things online then I pay online, but this is very rare. I think doing everything online is helpful but right now I don't really think there is anywhere safe to do that yet
• United States
25 May 07
i think it does scare some people, but i am more afraid of using the mail system. we have had some probs with it recently, people getting into people's mailboxes and such. when i pay my bills, i want them paid...i don't want to sit and wonder if they will get paid. a lot of sites are secure where you can use your credit cards and such. you ahve to look for the secure site symbols and such, and banks are secure, i mean as secure as going and handing you money to a teller, can't always trust those worker's either...hear stories all the time about actual employees stealing from the workplace...nothing is completely safe anymore sad to say
@magica (3710)
• Bulgaria
25 May 07
Aaaa, just some hours ago i saw one of my bank accounts suspended for no reason, so i think that online banking sucks! If this was a real bank, i can see the face of the boss and to ask him normally.Online you see no faces:-( I asked and asked and asked again at icq where the problem is. And no reply.
• United States
25 May 07
sometimes you just can't get reply's you truly need online. i had the same problem with our phone company. sorry to hear of your experience.
@castleghost (1304)
• United States
24 May 07
I also like online banking. It can make things more convient. I do however still make personal visits to the bank as well because I don't have direct deposit. And I always use my banks ATMs because there isn't a fee. I can't really remember a time when I did feel the need to call my bank.
• United States
25 May 07
thanks for your response! it's so much easier to check your balance and such online! love technology!!
@Bizziebod (3526)
23 May 07
Hi, Yes I totally agree with you it so much more convenient and 'free' to do online banking. You can also resolve problems quicker if you're checking your bank account daily. I had a problem just last week where a direct debit hadn't gone out of my account as they said I had insufficient funds and told me that I would have to pay a £39 ($80) charge for the luxury of them telling me! Worst thing was that there was money in my account to cover the direct debit! So I phoned them and it was quickly resolved, little do they know they are about to get an invoice from me for my time and for the phone call, which will amount to £100 or $200 especially as it was a Sunday I called too lol!
• United States
24 May 07
OMG, $80 charge? for the luxury of "them tellin you". YES, i hate all these weird charges here and there, if ONE thing goes wrong. that's why i check mine every single day to monitor it too!! ooh, let me know how that next call for you will go, about giving them that invoice...i hate confrontation with businesses like that, BUT you have to protect your money, we work hard for our money, and sometimes that gets taken advantage of, you go!!! nice!!
@disvachic (10120)
• United States
20 May 07
I like online banking as well.Its so easy to use and I dont have to use the phone listening and pressing this button here and there.I have direct deposit to and I love the fact I dont have to go wait in line or drive thru to cash my check.VERY NICE
• United States
24 May 07
i am so annoyed with the phone...so this is just a great way to do what you want and not have to wait, or "hold please"! lol! i'm much faster typing on the computer than dialing numbers on the phone!!!