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Online banks pass the money they save on overhead like buildings and tellers along to you in the form of higher yields, lower fees and more generous account thresholds. ONLINE SAVINGS: ONE SIZE FITS ALL? Possibly more than any other financial product, online, high-yield savings accounts are frequently viewed as interchangeable commodities -- this despite the fact that a college graduate in his or her 20's is very likely to have different savings account needs than an affluent 50-year-old executive. Online S
The major disadvantage of Online Virtual banks revolves around ATMs. Because they have no ATM machines, Online banks typically charge the same surcharge that your brick-and-mortar bank would if you used another bank's automated teller. Likewise, many virtual banks won't accept deposits via ATM; you'll have to either deposit the check by mail or transfer money from another account.
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