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  1. I agree that online banking is a good thing, but only because it offers higher interest rates. For your reasons 2 through 5, I can get all of those services free at my hometown “brick & mortar” bank!

  2. I moved to online banking with NetBank about 12 years ago. It was a good call but I made the mistake of putting 100% of our banking online and when Netbank got seized by the FDIC, I was locked out of all my money for nearly 3 weeks. If you’re going to go with online banks, make sure you’ve got about a month of “assets” in a brick-mortar bank in case your online bank goes under. Worst 3 weeks of my life …

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