Counter-thread to https://www.nairaland.com/2807571/5-reasons-why-should-use..
Just for the fun of it.

Security Risks


Most banks make sure that their websites are secure, but no bank website is immune from cyber crime and hacking. Hackers target bank websites to swipe account information. Not only can identity theft put you out of hundreds, perhaps even thousands, of naira, but it can take time to correct the damage, and it's estimated that only 25 percent of cyber crimes are resolved. So even though your bank may claim that its site is secure, you should always proceed with caution, especially if you're banking from your mobile phone.


ATM



One disadvantage of Internet banking relates to withdrawing money. While most businesses accept debit and credit cards, people still like to have cash on them too. Hence, you can't withdraw cash over the Internet so you still have to visit your bank's physical location, or eat service fees by withdrawing money at an ATM that's not associated with your bank. This becomes even more challenging if you belong to an online-only bank, as you may be forced to withdraw cash through snail mail or paying ATM fees at every withdrawal.


Deposit Limitations


It's likely that your paycheck is directly deposited into your bank account, saving you a trip to the bank. But there are still times when you'll have to make a deposit to your account. Although many banks have released mobile apps that allow you to scan a photo of your check for automatic deposit, this feature is beneficial only for people who own smart phones. Those who don't must visit their bank's physical location to deposit money or send the deposit in via snail mail through online-only banks.

Customer Service


Although online banks have implemented chatting features and offer customer service numbers for those with questions and inquiries, it still doesn't compare to the customer service you'll receive by banking at a physical bank location. For instance, if you are onsite, you can meet with employees and receive information on important topics such as financing, credit card rates and types of loans all in addition to standard banking.


Stolen Cards

When a credit card is lost or stolen, it may be used for illegal purchases until the holder notifies the issuing bank and the bank puts a block on the account. Most banks have free 24-hour telephone numbers to encourage prompt reporting. Still, it is possible for a thief to make unauthorized purchases on a card before the card is cancelled. Without other security measures, a thief could potentially purchase thousands of dollars in merchandise or services before the cardholder or the card issuer realizes that the card has been compromised.

Source: http://science.opposingviews.com/disadvantages-internet-banking-1588.html

https://en.m.wikipedia.org/wiki/Credit_card_fraud

Give and take,just make a choice and deal with it

Online still has more merits than the demerits.

It's God dat protects. Just kip praying cos everything bout technology has its merit n demerits.
.... na God alone o.....

which one i go follow nw