[DemolitionRed]

Its easy enough to do online banking when you have a smart phone and online bank account. The problem is, its not easy for a lot of elderly people to work out how to use smart phones, never mind trust online banking.

I think personal banking has improved massively but thats only because I know how to take advantage of it. Remember the days when your statement arrived through the door once a month and if you'd gone overdrawn, you didn't know until you went to a cash point and your card got declined? Now you can look at your bank statements on a daily basis without getting out of bed and if your account lacks funds you just get a text message asking you to transfer money so you don't incur a penalty. I have three accounts so when one gets low, I can transfer funds from a different account. This means I never go overdrawn which makes my credit rating the best I've ever seen it.

I haven't been into my bank for at least a year. Even when I did go, it was all (except for foreign exchange) self service machines. This is the future and whilst its unfortunate for some, it is what it is and we need to get used to it.