The online banking or Internet banking are novel banking terms. The online or internet banking means performing transactions, payments etc. over the internet through a bank's secure website. The account checking online is very important in online banking. One can have an access to all type of bank account online including savings account online and online merchant account. The mickle of customers prefer online banking in dealing with their finances today. The online banking is very convenient and secure also. The different online users have different passwords. The number of frauds over online banking is very small, but the online banking can be insecure if users are careless, gullible or computer illiterate. The phishing is an increasingly popular criminal practice to gain access to a user's finances. The major benefit of online banking is that one can check online banking account outside the bank hours and from anywhere where internet access is available. In most cases a web browser such as Internet explorer or mozilla firefox is utilized and any normal internet connection is suitable. An online bank does not require any special software or hardware. As the online banks have low costs compared to traditional banks, they can offer high interest rates. The online banking usually offers such features as electronic bill payment and the downloading of bank statements for import in a personal finance program. The popularity of online banking is increasing day by day. The European countries including the Scandinavian countries, The Netherlands, Austria and Belgium, United States, Canada are offering online banking, today.
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