Human: What are the advantages and disadvantages of using an online bank? Assistant: 
Advantages: 
1. Convenient access to your money from anywhere, anytime.
2. Low or no fees for transactions.
3. Secure banking services with encryption technology.
4. Access to customer service 24/7.Disadvantages:
1. Limited access to physical branches.
2. Less personal attention than traditional banks.
3. Risk of identity theft due to lack of physical security measures.
4. Limited availability of ATMs.