Hi, I am glad for online banking since it makes it easy for me to keep track of my balance. The banks have made a lot of changes to try to increase their revenue. It just makes me try to be more careful of what I am spending which is something that I should have been doing long ago but it was a hassle trying to call the bank and making transfers over the phone. I ran up a sizable overdraft balance which I have since repaid and now I am working on my credit cards. It's tough because I don't want to have to wait for something.