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The image illustrates that there are different banks which have online banking service. This Image is useful for people to get the information about different types of online bank services. I have a online banking app of Scotia bank that I used to do transactions, pay bills by using Scotia online banking which provides me  best service.

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About Online Banking

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The Image describes about the benefits of online banking, moreover, I think it is time consuming and secure to make payments online. Due to Online banking, one can check the list of transactions and payments in a few minutes on regular basis and also start to do savings and investments. This image is chosen because it provides the list of benefits of online banking that aware people about the online access of banks.

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Online banking is a fast way to look into your account in this modern era. Everybody is busy in their life but with the help of online banking, you can easily open your account into mobile or computer. You can see current account statements, easily review transactions or even old history. It make easiest to transfer money to your friends or family in minutes rather than wasting time on visiting bank. We are able to pay bills or to do online shopping.
Online banking help us to keep eye on our money 24 hours. If their is low balance in our account, then we receive email alert and because of that we don't have to pay for overdraft fees.

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Online banking is also known as net banking, internet banking, e- banking or virtual banking and it is an electronic payment system in which transactions are conducted electronically on a secure website.
Steps for online banking:
1) Firstly, create a username or password. we are able to create password or username by self at home.
2) After this, we are able to perform all the bank transactions at home with the help of online banking.
3) Email id or mobile no. is compulsory for online banking.
4) With the help of online banking  we can do funds transfer, bills payment, check book request, manage debit/cards.
5) Account details must be added to transfer funds like, account holder name, account name, address, bank IFSC code.
This video picked because it covers the explanation and brief description related with what is online banking and its use.

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what is online banking? | How to use online banking? | Know About Online Banking

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VIDEO#2 Explanation about Online Banking

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VIDEO#2 Explanation about Online Banking

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Internet banking is nothing more than traditional banks delivered by the internet, computer, laptop, smart phone or tablet. It is also known as online banking, web banking, virtual banking or e- banking. This formal banking allows their users to manage their bank account or financial transactions over the internet, instead of visiting a bank or using a telephone. Internet banking has lots of advantages, which is being available for 24/7 and it is a fastest, easiest and convenient way of making transactions. But one should be aware about the use of online banking.

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One can use online banking at anytime, any where 24/7. People have no problems associated with parking , paper work. because they don't need to visit bank, that  is a power of internet banking. People can manage their bank account from their computer. People can view all of their  bank account information or even download it. Also, one can access to demit account, loan account, credit card account details. It is easy to transfer funds instantly within India or over any other country, request for a cheque book or a demand draft, register for e-statements or SMS alerts with internet banking. People can track all their investments.
This video is chosen because some people don't have any knowledge about how to use online banking app, so this video gives brief idea about the use of online banking service.

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Yes, online banks are safe. It becomes more and more popular everyday. When people do transactions, make payments, e-transfer money, they should follow some precautions like make sure page is secure when entering data, never share usernames, passwords with anybody. Through email, Be cautious when someone log to your bank, use a strong password, make sure your computer is protected.
This Video is picked because safe banking is a main thing. This video is different from other videos because in this video, the information related with safe and secure banking is given.

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There are numerous pros of Online Banking which includes- one can check their account balance on daily basis and make savings, investments,  people can do bill payments, online transaction to another countries, interac-e-transfer and monitor CIBC investments, one can save their lots of time which spent on visiting the bank and wait in line. Moreover, their is no effect of opening and closing hours of bank on individuals, due to online banking account.
We have choose this website, because it provides lots of advantages of online banking in brief way. This website is different from other website because due to this, one can easily get knowledge and  information which provides pros regarding online banking.

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Online banking benefits | Student | CIBC

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What are the three greatest things about the Internet? E-mail, music, and online banking! Whether for the convenience or the control, online banking is an aspect of banking that nobody can resist. Our children will probably laugh when we tell them people used to actually go to a bank to pay bills.

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WEBSITE#2  Some drawbacks regarding Online banking

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WEBSITE#2  Some drawbacks regarding Online banking

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Online Banking has lot of advantages, but it has some drawbacks which cannot be ignored. The cons are- there is no personal banker relationship, if one has any problems to access the account, then it will be hard to sort out problem quickly, it happen due to lack of personal relationship. There are some issues regarding security, online banking can not be safe in some cases, if one do transactions or online payments by using public WiFi which is not secure internet.
We have picked this website because it is important for people to know about the drawbacks of online banking which aware people about the hacking and safe precautions regarding internet banking.

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Online Banking Disadvantages

Online banking via personal computers and mobile apps on cellphones has made banking more convenient and accessible 24 hours a day. However, there are some downsides to online banking. While these disadvantages may not keep you from using online services, keep these concerns in mind to avoid potential issues down the road.

Technology and Service Interruptions

Anytime we use computers or internet service, we are at the mercy of the system's stability and efficiency. Your ability to access accounts online will naturally be affected if your internet service is running slowly or completely out for a period of time. Similarly, if the bank's servers go down or are temporarily unavailable due to scheduled site maintenance, you won't be able to gain online or mobile access to your banking information.

Security and Identity Theft Concerns

In general, online banking sites and mobile apps are designed to be secure and banks are continually putting updated security protocols in place. However, no system is completely foolproof and accounts can be hacked, resulting in identity theft via stolen login credentials. So while you can use mobile or online banking with general confidence, be careful to avoid using networks that are not secure and be careful to change passwords and protect your login information.

Limitations on Deposits

Daily or monthly mobile deposit limitations may make it difficult for individuals, but especially businesses to make large deposits online. Once you have reached your designated limit, you'll need to trek to a branch to deposit money. Also, not all types of checks are easily read by computer scanning software. For example, business checks that are handwritten and have a black line on the reverse side to make a carbon record in an account register may be kicked out of the online deposit system, requiring an on-site deposit.

Convenient but Not Always Faster

While it may take very little time to deposit a check via a bank's mobile app, you still need to wait for access to your money. Online banking provides convenience in terms of the amount of time saved in travel or waiting in line at a branch location, but all deposits are reviewed and funds are released for access according to bank policy, which may take up to three business days depending on the amount deposited.

Lack of Personal Banker Relationship

For the most part you may be able to handle your general banking needs by yourself. Yet when problems arise if you don't have a personal relationship with a banker, it might be more difficult to get your issues resolved. While online banking sites have customer service departments, you often need to work your way through a phone tree and wait on hold before speaking with someone who has no knowledge of your needs or banking history. In contrast, a local banker is motivated to serve their customers and strengthen their personal relationships.

A Limited Scope of Services

Although you can do quite a bit with an online bank account, such as make deposits, check balances and pay bills, there are limitations to the kinds of services you can access. You may be able to make an initial application for opening a new account or applying for a loan or mortgage, but in most cases you will need to visit a branch to sign forms and show identity documentation. Similarly, even though you can transfer money to a checking account or debit card in order to make purchases, if you need cash, you'll have to visit a branch office or a nearby ATM.

Potential to Overspend

The ability to check account balances in the spur of the moment could potentially cause some people to overspend the limits of their checking accounts. Without a careful look at your checkbook or record of uncleared debit transactions, the account balance may not accurately reflect the true amount you have available. Overdrafts and fees might occur if you don't keep close tabs on all your transactions.

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For many, online banking has made a trip to the local bank a thing of the past. However, online banking has some disadvantages such as security concerns, system interruptions, inability to access a breadth of bank services and lack of personal care, leaving others to stick with on-site bank visits.

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There are some guidance related with online banking regarding how to use online banking website which involves: firstly go to the website of particular bank in which someone has a account. Then, make a online account and login with your username and strong password. After clicking on account summary, one can know how much balance is in account and after click on search transactions, one can see the transactions that are done. If people want to transfer fund, then they can click on transfer fund and make transactions.  One can make bill payments, credit card payments by using online banking guidance of each step.
These website is different from other websites because it shows the guidance of how to do banking online. With the help of this website, people can easily follow the guidelines and make a online bank account and take the benefit of online bank account.

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Online Banking

Online banking may make some people nervous, but it's 100{a16c29276902c0134dc3724dc6f6a60124a484baf737123e94c02cf5a4efbdc5} safe, secure and easy! We would like to offer FREE one-on-one help to anyone who is interested in Online Banking, but isn't sure where to start. Maybe you, your mom or dad, or even a grandparent is interested in being able to manage their finances online, but just isn't quite sure where to start. To schedule some one-on-one time, give us a call at 207.872.2636 and ask for Robyn.

In the meantime, here's our easy step-by-step Online Account Access Guide that shows the different features of the site.

Online Account Access Guide

1. Go to https://wcfcu.cuview.net/User/AccessSignin/Start

2. LOGIN: Login with your username and password.

3. SEARCH TRANSACTIONS: In the "Search Transactions" box, you can search by name (i.e. "Target") or by amount (i.e. 200), then hit Search and all of the transactions that match will show up.

4. BILL PAY: To have access to the bill pay option, you will have to sign up at the credit union. There is a one-time enrollment fee of $5. It's free if you have online account access and Cue-Statements; otherwise a $5 monthly fee applies. There's a $5 inactivity fee after three months of not using it.

Next Wednesday, we will give you an overview and step-by-step guide on Bill Pay!

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Better Online Banking: Step-by-Step How to Guide

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Online banking may make some people nervous, but it's 100{a16c29276902c0134dc3724dc6f6a60124a484baf737123e94c02cf5a4efbdc5} safe, secure and easy! We would like to offer FREE one-on-one help to anyone who is interested in Online Banking, but isn't sure where to start. Maybe you, your mom or dad, or even a grandparent is interested in being able to manage their finances online, but just isn't quite sure where to start.

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There are various features of online banking that involves- it is a fastest to make online bank account, people receive messages which is about your payment is done and during e-transfer, the money is accepted by other person. The other feature of online banking is that the proof of transaction is available electronically rather than papers.
We picked this website because in this website, there are 7 features of online banking are described step by step with a clear explanation.

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The 7 Best Online Banking Features For Simplifying Your Life

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Does money management stress you out? What if you could effortlessly alleviate some of that stress for good? Online banking offers a lot of benefits that can help to simplify the headaches of money.