Too bad you're in the US...TD Canada Trust has an awesome interface. - Mack D. Male

Wells Fargo's online service is not bad, I've been using it for years. - Bjorn Stromberg

I second USAA. - nsnadell from twhirl

Wachovia is not bad, in fact I was just there. - Scott Lockhart

Dunno what you're talking about Rudolf. I run it at 1280x1024 and it works great. Only time you have to enter a security question is if you use it on a different IP from your last login (I think). - Mack D. Male

I'm really liking Bank of America Dave. That and no matter what city I travel to... there's the physical location should I need it. May even be one close to Sand Hill Road. Must check that out RFN! Well, sure 'nuff... 2180 Sand Hill Rd to be exact. OK, happy all over again. - Gerald Buckley

I made a choice based on insfrastructure recently over interface. By that, I mean I chose a new bank not likely to fail in the next year or two. While I still have accounts at Citibank and Wachovia, my local City National Bank is one of the most stable and conservative in the nation, whereas Citi and Wachovia and even BofA are on a downward spiral. City National's works, but is not great. Citibank was ehhh. Wachovia personal is excellent, but Wachovia Business is the worst piece of crap ever developed. - Brad Nickel

More on failing banks, check out the Bank Implodo Meter: http://bankimplode.com/. This article may be a bit over the top, but it is very scary. http://www.dailykos.com/storyon... - Brad Nickel

Sorry, one more thing. You can't count on the FDIC. Indy MAC took 10% of their funds. They have to charge banks already in trouble more in premiums to cover more banks which will push more out of business. They've begun recalling retired FDIC employees to handle the bank crashes. There may not be enough available to cover your money and how long will you have to wait to get to it even if you are covered..... - Brad Nickel

It is pretty amazing how poor the user interfaces of online banks are. Frankly, I suspect they're conservative intentionally, just like their buildings tend to be. - Dion Hinchcliffe

Commerce Online Bank puts asterisk in the password AND username field. So how do I tell which one I typed incorrectly. - Khürt Williams from twhirl

So far I've found TD Canada Trust to work the best out of everything I've tried (Scotiabank and PC Financial being the others). - John Duff

I hear the Royal Bank of Scotland has a nice one. - Roberto Bonini

CIBC was ok for me in Canada. that is comp'ed to RBC.. I have never used UI of other institutes here (Canada) for personal banking. Worst UI my AMEX expense reporting ! - Peter Dawson

I haven't found a good one yet. - Morton Fox

buxfer.com is by far the most refreshing thing in online personal finance. I can aggregate mulitple accounts (BofA, Amex, etc), automatically import and tag tx (it does auto tagging for familiar tx), provides reports and graphs, etc. its like quicken-meets-delicious-in-a-browser-on-steroids. BONUS: iphone interface is awesome (take that BofA!)! Amazing piece of work. - Frank Jurden

Bank of America. It's really well thought out, with seemingly obvious features like running balances in your transaction list just like you might see in your own register! It's amazing how many online banking sites omit this common accounting element. - Todd Harris

While agree that BofA can be really frustrating - especially if you ever move states!- it beats a lot of sites on functionality. Wells Fargo is perhaps simpler, but that's because it can't do half of what BofA can online. To be fair Wells Fargo has been making improvements to the online experience. I haven't used USAA as much, but I agree that it has rich funtionality and a good interface. However, there are eligibility requirements for USAA. - Laura

BofA got a lot of their current interface from their BankBoston acquisition. BB, through various incarnations, was a pioneer in online banking, going all the way back to DOS days. They did some really good stuff when everybody else was still chipping arrowheads. IMHO, it's pretty good on the whole. But it does have some gaps, as you found. This is a tough interface, since there are so many small operations and nit-picky variations to keep people happy. Luckily the customer service by phone is good. - David Lewis

any point is, which bank do u think is the safest for online banking ? - Peter Dawson

Hi Dave - its been a while since I've heard from or about Sally. Congrats on your life changes and health. I've used Bank of the West for 12 years and I find their online stuff, although late to the party, to be easy and obvious. I used Paytrust.com since beta as well and have my bills sent directly to them. I use BOW to pay most of my recurring expenses. - Cindy

@gregory - I moved bulk of money to a very highly rated bank that I found via bankrate.com. Very conservative. Day to day transactions are Wachovia with a small balance there for most debit card transactions so I can still stock up on reward points. - Brad Nickel

I had a BoA account between 2004-06 when I lived in Boston. Have had a Citibank account since I graduated college. I really disliked BoA's web interface compared to Citibank's. I dumped my BoA account and moved everything back into Citibank as fast as possible after leaving Boston. - Rebecca MacKinnon

Wells Fargo has been good in online banking though I'm not using it anymore. - Amit Morson

Usaa is the best I've seen. - Mark Interrante