This is another tough question as the answer will be different between individuals, it is important for the public to be aware the online banking has advanced to the point where even mortgages and other important loans can be requested through their platforms without the necessity of spending hours in a branch. And to make things even more sweet on the online side, their services are considerably cheaper than traditional banks. Even though the balance leans towards online banking, there is still an important factor for many individuals that still need access to face to face service.