Internet banking is too much flawed in my opinion. Anyone with some good hacking techniques can misuse the facility and there is very little room for redressal of your grievance. Whereas in traditional banking, you have a human face to complain to. Instead of having an e-account its better to keep the traditional bank open for 24 hours and provide personal help to customers. This is also one way of generating employment. I prefer a traditional bank any day over an internet bank account.