You probably do almost everything online or via your mobile phone, like keeping in touch with your friends and family; buying everything from clothes to music to pizza; keeping up with school assignments. And if you don't already, you'll probably choose to do your banking online or using your mobile phone.

Online and mobile banking allow you to do pretty much everything you can do with regular banking, but with a little more convenience and without wasting. With online and mobile banking, you can:

• Access your statements, cancelled checks and transaction records 24-7-365
• Check your account when you want, as often as you want
• More easily identify errors and possible unauthorized use of your account

Many banks also offer some really useful tools through their online and mobile banking sites, such as:

• Account transfers
• The ability to view copies of cancelled checks
• Financial planning tutorials
• The ability to view credit card statement and pay your monthly bill online, if you have a credit card with that bank

One perk online and mobile banking offer that many people take advantage of is online bill pay. With this feature, you can schedule payments to pay certain bills automatically. Many times, if the company receiving your bill isn't set up to take online payments, your bank will send them a check on your behalf.

One perk online banking offers that many people take advantage of is online bill pay. With this feature, you can schedule payments to pay certain bills automatically. Many times, if the company receiving your bill isn’t set up to take online payments, your bank will send them a check on your behalf.

See an example of what an online banking page might look like.