I’e been using online banking for years. I started off with Wells Fargo for accounts that I was conservator for and BofA for myself. Wells Fargo was more difficult and the charged for online transactions so we quickly moved out. But that was years ago so I’m sure they conform to the standards. I deal with both BofA and Wamu and they are both pretty simalar and easy. I had a problem when BofA when they cut my access off from an account where I was a cosigner but not a co-owner, a trust account. It took me 2 weeks with customer service before anybody could tell me why I couldn’t get into the account. I got so mad at the way they acted that we moved the account to Wamu. But that is the BofA culture, rotten customer service. Wamu is great, at least they have been.
We use both automatic payments, for things like rent, and regular online bill pay. It takes just a couple of minutes to pay the bills when you pick up the mail. I probably only handwrite 2–3 checks a year. I’ve had some small problems with e-bills at BofA. At one time I had a revolving account at a dept store and then later a credit card. I set it up as an e-bill but they never could get the payment on the right account and I would get late notices on one with a credit balance on the other so no more e-bills.
When the bank system is going down it is usually in the middle of the night and they post notices ahead of time. I have used AOL and Earthlink as well as Internet Explorer at work and never had a connection problem.