Banks view online banking as a powerful "value-added" tool to attract and keep new customers while helping to _ costly paper handling or teller interactions in an increasingly competitive banking environment . Today , most large national banks , many local banks and credit unions offer some form of online banking , variously known as PC banking , home banking , electronic banking or Internet banking . Online banks are sometimes referred to as "brick-to-click" banks , both to tell them from "brick-to-mortar" banks that haven't yet offered online banking , as well as from "virtual" banks that have no physical branches or tellers whatsoever . The challenge for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it . Most of the large banks can now offer fully safe ,fully functional  online banking for free or for a small cost . As more banks succeed online and more customers use their sites , fully functional online banking will likely become as commonplace as automated teller machines (ATM). Online banking has a lot of advantages . Unlike your corner bank , online banking sites never close; they're at hand 24 hours a day , seven days a week , and they're a mouse click away . If you're out of state or even out of the country when a money problem appears , you can log on instantly to your online bank and take care of business . Online bank sites generally carry out and confirm  deals at or quicker than ATM processing speeds . Many online banking sites now offer fashionable tools to help you manage all of your valuable items more effectively . From the text we can conclude that  _  .
"brick-to-click" banks are in fact another kind of physical banks the function of a "brick-to-click" bank is as common as that of an ATM a " brick-to-mortar" bank is no better than a virtual one customers can deal with their banking by a mouse click