1.   She has no trust in the security of online banking.

2.   Analyst Bryan Keane said Net.Bank has established itself as the brand name in online banking.

3.   And now that traditional banks are offering online banking, online-only banks are being squeezed, with some going out of business or being absorbed by rivals.

4.   At the time, Intuit had no toll-free number for online banking.

5.   Bankers agree that online banking must get easier, too.

6.   Bank of America has also aggressively promoted online banking, but does not release figures on how many of its customers do their transactions by computer.

7.   But many have charged customers fees for the online banking, which analysts say limits its growth.

8.   But Sheth thinks most people will be reluctant to change, and that mass adoption of online banking and bill-paying will come slowly.

9.   But the growing use of alternative communications, such as online banking and bill payment, also plays a role.

10.   By contrast, online banking has grown at at a slower, more manageable pace, and service breakdowns have been less common.