Online banking (or Internet banking) is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society's secure website. This allows customers to do their banking outside of bank hours and from anywhere where Internet access is available. In most cases a web browser is utilized and any normal Internet connection is suitable. No special software or hardware is usually needed.
FeaturesOnline banking usually offers such features as:
Bank statements, with the possibility to import data in a personal finance program such as Quicken or Microsoft MoneyElectronic bill paymentFunds transfer between a customer's own checking and savings accounts, or to another customer's accountInvestment purchase or saleLoan applications and transactions, such as repaymentsAccount aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.There are a growing number of so-called virtual banks that operate exclusively online. These online banks have low costs compared to traditional banks and so they often offer higher interest rates.
FeaturesOnline banking usually offers such features as:
Bank statements, with the possibility to import data in a personal finance program such as Quicken or Microsoft MoneyElectronic bill paymentFunds transfer between a customer's own checking and savings accounts, or to another customer's accountInvestment purchase or saleLoan applications and transactions, such as repaymentsAccount aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.There are a growing number of so-called virtual banks that operate exclusively online. These online banks have low costs compared to traditional banks and so they often offer higher interest rates.
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