If you have a few banks on your list to consider, then you should spend some time checking out the "demo" option for each of these online banks. These demos will take you through a tutorial of all website functions and will show you what every page will look like. In addition, they will give you an explanation of every page and what it does for the consumer; and, of course, what the consumer can do on that page.

When you apply for an online banking account, all banks will comment on how fast it is to apply for their online banking accounts, claiming that all they need is 5 minutes of your time to fill in a simple application form. Many banks will have an application form that you can download and print off to fill in later; and then post it off to them. This is especially handy for small businesses that might not have the time to fill in an online application form and would prefer to fill it in when they have the time.

Many online banks also have to have some form of high security. This is not always compatible with some people's computers, so there is a handy little test button that will allow their system to quickly check to see if your computer works successfully with their systems. If your computer isn't up to their standards, then they will list the problems that there may have been with your computer.