Modern times gives you modern ways to deal with the banks. Genious invention was when banks created banking applications for mobile devices. You can sit in public transportation and check your account balance or sit on toliet and pay your bills. Today I switch bank and I got new banking application for my mobile phone. It has so many options, I did not check them all yet. Also mBanking applications are reliable and secured. I know that old people do not believe in them or any kind of technology and bank in one sentence, but young people use this features and make life for them easier.