[Now, does anyone use an internet based bank (has no real branches) like netbank.com or pcbanker.com? I so have a friend who has accounts with two on line banks because he gets way better interest rates with them and has never had a problem.[/quote]
I do online banking and love, love, love it!
I also have a savings account with ING Direct that's consider an 'online' bank although they have offices and internet cafes in various cities. I transfer funds between my standard checking account and the ING account with ease
www.ingdirect.com