Don't think for a second I'm crowing, because I most certainly am not, but I steadfasly refuse to participate in any form of online banking.  Some of the biggest crimes going involve no more than the click of a mouse.  The stress it causes when things go wrong, whether it be for £20.00 or for £2000.00 is equal.  That is why every payday, every penny comes straight out of my account and is held in cash.  As each d/d date approaches, sufficient money is then put in.  I have no credit cards, and we don't pay anything by cheque.  Like many people of the aging generation, I distrust banks intensely.  You have £1000.00 in the bank, the bank, this twisted Government and scores of other people know about it.:_|