I've been using Online Banking since the early days and have never had any problems. I have been using the same branch of my bank for over 30 years and when recently I wanted a Bakers Draft to pay for my new car I was asked for two forms of ID only one of which could be my Bank Card, they wanted Passport,Drivers licence or similar which I didn't have with me at the time. It was only because one of the other Tellers was able to confirm that I was not a 'Villan' that saved me a journey home. I understand that the Bank now requires two forms of ID when drawing cash over the counter always. They are trying to get people to use the ATM's in preference and we all know how they are being scammed. A colleague recently had his account emptied by ATM fraud.