No stones, no mortar, online banking.

What can be done, are not online? Citizens may hold meetings, gift shop, send flowers for pizza and check stock prices online.

Given that the Internet remains a tool for greater and less of a cultural phenomenon more people at the opening of control, the pension accounts and individual retirement accounts commercial Internet-only banks. There is no customer service and meet with representatives of lines not to wait in indeed, there is no visit with physical offices, Internet Banking with a bank.

With a lot of bricks and mortar, as U.S. banks Bank, Bank One, Wells Fargo and Bank of America Online, a service provider customers are beginning to verify account information online and pay bills without having from his pyjamas. But with the Internet, banks, everything is in cyberspace and on the phone.

More than 30 percent of all bank customers have never their feet in bank branches, said Rich Jeffers, a spokesman for the Net-Bank. Net Bank is a bank based solely Internet in 1996. The Bank has more than 150000 retail clients, including nearly 2300 customers in Colorado, Jeffers said.

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