text: I do my banking onlline, I've done this for a few years.  I do it to save money.  I don't have very good control of myself when it comes to money.  I always pick banks that are not local so I can't go into the branch and get moeny, and I hate paying ATM fees so I very rarely get money out.  I've went through Citibank and loved them, I'm currently with Washington Mutual (Wamu) and I like them too.  I have direct deposit and pay all my bill by mail.  I use my card at the pump for gas and as a credit at the grocery store.  You really don't need cash these days even McDonald's take cards so I feel more comfortabke like this.  I don't know what your reasoning for doing it is but there's nothing wrong with it.