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The check's in the (e)mail
At my bank, even if you go at 3 p.m., there's a huge line and you have to wait about a hundred years to actually talk to a teller. Then, when you get up there, she's behind this glass and you can barely hear what she's saying. Then it takes 400 more years to get your transaction done. So then you've finally got your travelers' checks but now you're 529 years old and you can't really go to Tanzania and scale Mt. Kilimanjaro anymore, so what's the point? You know what I want? I want to get money on the Web. I don't ever want to have to go to the bank again. I want to press control-M and have moola shoot out through my floppy disk drive. (Might as well get some action out of those things.) Although that's not quite possible, I can pay my bills, check my balance, transfer funds, and get my account statements online. I can also find the closest ATM, even in Tanzania. I can apply for a loan, a mortgage, a second mortgage, or a third. I can pretty much do everything I can at my real bank, except get actual coin and wait in line. What about security? Well, if you can find an online bank that is FDIC-insured (and you can), you've got no worries. Besides that government-sanctioned assurance, several businesses employ additional security measures that are more effective than a rabid rottweiler. You can always call the bank in case of a mix-up. But hey, if you've got plenty of time to waste and stepping toward the teller window is your only form of exercise, fine with me. While you're waiting in line at the bank, I'll be having a pint at the bar across the street, writing a novel, or having a scintillating conversation. Don't worry, I'll wave at you. |
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