In most cases, accounts are credited automatically, though Nbank and Everbank require customers to send in receipts. Here's some good news. Bill paying is easy to use, and in our tests, reliable. So be sure to plan your payments well in advance to avoid late fees. Ease of Use Many of these sites are cluttered and difficult to navigate.
Some banks neglect to put navigation bars at the top of the screens.
Overall, many of the traditional banks sites are clunky, while the Web-only banks better understand the importance of navigation. In many cases, we had to update our browsers to the most secure available before we could even sign up. Telebank let us limit the amount of money that could be withdrawn in any given day, while Chase tells customers what transactions took place in the previous session so they can identify suspicious activity early. If you prefer the Web site of a traditional bank, you're like most customers. In our testing, we had the most pleasant experiences with Wells Fargo and Citibank .