Oh no! I also went below the minimum balance required for my free checking account," Lisa groaned. "That cost me $7.50!" Lisa is not alone in her frustration with fees paid many of these charges; others could have been reduced or eliminated by comparing costs at various financial institutions. Consumers are also upset with slow customer service and long waits in lines. These drawbacks have caused many customers to consider the use of online banking services. Whether using the online services of your currents financial institution or starting an account with a "web" bank, you can gain faster access to your account. Other benefits may be present. Often, costs of online banking services are lower than in traditional setting. Online banking can mean access to an expended array of financial services. For example, some online bank accounts include low-cost, online investment trading and instant loan approval. Lisa believes that online banking services provide her with an opportunity to better control her financial service costs. However, she also has concerns about introductory low costs, privacy, and security of transaction information