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The Brave New World of Internet Banks

bank sign Just as with so many other aspects of our lives, the internet is making inroads into areas we may have once thought improbable and banking is no exception. There are distinct advantages to internet banks such as potentially higher CD rates and lower rates on credit cards and loans because online banks don’t have all of the overhead real “brick and Mortar” banks have. Additionally, they are available 24/7/365 which means you can sit down and pay your bills, right then, online, regardless if it’s 3 o’clock in the morning.

But, how do you know if online banking is safe? After all, with identity theft being one of the fastest growing crimes, how can you be sure that the website you are on is truly that of the bank or, worse yet, that it is really a bank at all?

The Federal Deposit Insurance Corporation (www.fdic.gov) offers a few suggestions. First, confirm that the bank is legitimate. Read the internet bank’s “About Us” section and find out who they are and where they are located (if they have a physical branch) and then contact them. All legitimate banks have telephone capabilities. Beware of copycats that use a name or web address similar to that of a real bank and be sure you have correctly typed in the web address.

Here are a few things you should pay particular attention to:
• Your Privacy – there should be some sort of “Privacy Statement” or “Privacy Pledge” available on the site.
• Security. Since the internet is a public network, it is important to learn how to safeguard your banking information, credit card numbers and other personal data.
• Passwords and PINS - When creating passwords or PINS, don’t use numbers or words that may be easy for others to guess (such as birth dates, home telephone numbers etc.)

Remember “keeping banker’s hours?” It used to refer to a slack schedule but not so anymore. There are many among us who would not consider using internet banks but, think about a few years ago when nobody even had debit cards. It really makes you wonder what banks will look like in 5 or 10 years, doesn’t it?

Recent Reviews in Milwaukee WI

Subway 1170 W Main St, Whitewater WI

Cassie As you walk in the front door the smell of fresh bread is the first thing you smell, making you even more hungry than you were before you walked in. The employees are very welcoming, and very patient as you try to make up your mind of what you want to eat from their menu. They have recently added soup to their menu, though they have a limited selection, they are starting to expand their varieties. The employees have the ability to handle many customers at once and move at a fast pace. When you are in a hurry but don’t want a healthy meal with friendly and fast service Subway is a great place to visit.
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Sentry Food Stores 1260 W Main St, Whitewater WI

Cassie This is the closest grocery store around, but I would rather travel the twenty minutes out side of Whitewater to find better produce. Everytime I go shopping I always find a very poor selection of produce, and it is way over priced. The strawberries, and apples, only last a couple days before going bad. The potatoes and onions are usually discolored while on display, and the rest of the vegetables look withered and dry. It seems as though there is not much care put in to the produce section, which is the first section you see when you walk in to the store. The meat selection is also a little disapointing, there is a very slim selection, and it is mostly the poor cuts of meat. The majority of meats are either beef or chicken, with very little pork, and no lamb. The aisles of Sentry are filled with dry foods, and canned foods, it is hard to go wrong with those, all though I wish they had a little more variety on brands. If I have the time I usually find myself leaving Whitewater to go shop at a different grocery store.
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