Until a few weeks ago I was a holdout on making the switch to online banking. Call me paranoid, but having covered network technology (including, to a degree, the challenges of network security) for the past several years I was always sort of concerned that my computer would one day get infected with some key logging malware and someone would end up hacking into my accounts. But recently I switched banks and ended up switching from IVR/ATM-based banking to all-online banking. I guess that's mainly because my new bank pushed me in that direction (I'm sure my new bank offers telephone banking but I never did see the toll free number on any of the materials I received in the mail). Plus, the improvements in online banking security in the past couple of years helped ease some of my concerns. I have to say I'm quite satisfied with my online banking experience thus far. For one thing, I have greater control over my finances than I did using the telephone based system - plus it's nice to be able to view my finances in graphic form (as opposed to plain audio).