Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to use online banking [title] Open a bank account if you don't have one already. [step] If you already have a bank account, you can skip this step. In order to use online banking, you'll need a bank account to access and manage online.

Ending1: [substeps] In exchange for debit card payments, the bank requires payment from both you and the account balance. In addition, some transactions have delayed payment times due to fraud, which means you're paying more, even if you don't use the bank account. Ending2: You'll need to set up a separate account in case a bank account doesn't open in a timely manner. [substeps] You won't need an account at a branch, where you can simply set up a regular account and create a new one to use while using online banking. Ending3: Go to a local branch of your preferred bank and open a checking or savings account to get started. [substeps] There are some banks that do not have physical, brick-and-mortar branches. Ending4: [substeps] Most banks will grant you the ability to buy online banking from these banks. However, if you have one that you don't normally use for paid checks or charges, it may be possible to access online banking from here.

Answer format: ending1/ending2/ending3/ending4