Many people in South Carolina “test the waters” of online banking by taking advantage of offerings that become available through their current traditional bank where they have their checking account. This is somewhat of a natural, and comfortable, step to take. After all, you chose your bank for some reason, which is probably still valid. You may find that you are comfortable with the fact that you can visit the physical location of your bank if an issue should arise. In some instances, online banking involves a virtual environment only: such an idea tends to make some consumers nervous. Finally, if this is your first trial of online banking, you do not even know what you need yet!
Almost every bank has a free demo of their online banking service, which will allow you to take a virtual test drive. Since there are differences in the interface and processing rules from bank to bank, it would be wise to avail yourself of several of these demos as part of a research phase, before choosing any bank, even your current bank. It would be best to limit yourself, however, to viewing the demos of banks that you might consider using. After all, if you would not consider opening an account at a particular bank, it probably does not matter how nice their online banking features are.
Unlike traditional account activity of balancing statements and writing checks with an “offline” bank, the online banking interface truly is a different concept. You will want to find one that is intuitive and makes sense to you. Otherwise, you will be “fighting with it” week after week.
Once you select a few interfaces that you are comfortable with, then evaluate the banks themselves to choose the one that is right for you. Choosing a bank is like buying a suit or dress – when it fits you, you will know. Considering the huge number of good banks to choose from, don’t worry so much about finding the best one, but rather find one that fits you and your style well.