Hmm..reading it again, I'm not sure what you want from on-line banking. For me it's a way to keep on top of my accounts but I never use it for making purchases on-line. For that I use a CC and then pay that off using on-line banking instead of going into the bank to pay it..

I don't know where you live but here in Wales all my CC transactions are covered against fraud. I had one a while back where my card had been used to pay for a mobile phone top up which I don't do because I'm on contract.. My CC Company contacted me because it flagged as a strange transaction to them and I don't know what happened after that other than that I didn't pay for it..

Injustice will be avenged.
Cofiwch Dryweryn.