Online banking can be convenient, fast, and secure. But not having any online banking presence would help prevent phishing attacks or other hacks via your login. (That said, this would not prevent a hack or data breach of the bank account itself.) Banking is also the category of services where users are most likely to forget their passwords, according to an ExpressVPN survey, which increases the hassle. For added security, online banking often requires multiple forms of authentication, and lost hardware keys or forgotten answers to security questions make it harder for legitimate users to log in to their accounts. Some people also prefer to get help from a person in a physical bank.