More and more banks are offering online banking as a free service to checking account holders, savings accounts, money market accounts and even certificates of deposit.  Bill payment service may still cost a small fee but is also increasingly being offered as a free service by most banks.  When there is a small fee, often the bank will waive this charge if you maintain a specified minimum balance in your account. Compare banks for this service and consider a slow switch to online banking to gain comfort with this process.  Online banking is not offered by just online only banks, brick and mortar banks are offering this feature as a standard service as well.

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