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Online Banking Online banking is the modern way to manage your finances without keeping detailed paper files of statements, paying in slips and other transactions. Not only do individuals save time and energy by banking online, but banks make big savings on staff in branches, paper for printing statements and on postage for contacting customers in the traditional way. Online banking makes it possible for a bank customer to check their balance daily, from a PC, laptop or mobile internet device; improving the chances of spending within their means, planning large expenditure and moving their money to the right place to cover expenses and earn maximum interest. The majority of transactions can be carried out online with no requirement for telephone or face-to-face contact with a bank representative. Bills can be paid, money transferred, credit card balances transferred and almost every other banking transaction that does not involve cash. For banks, online banking has meant a big change in the way that they employ staff and do business. With so many customers choosing online banking, the bank has less opportunity for face to face contact and selling new products. On the rare occasion that a customer visits their local branch they may find themselves offered a myriad of products from savings accounts, mortgages, loans and credit card as the counter staff become sales people as much as clerks. Banking resources have also been moved to call centres, both in the UK and internationally as online banking customers require telephone support more regularly than direct contact in branch.
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