PC banking allows you to log in to accounts established at brick and mortar banks. User names and passwords should be kept confidential and unique to prevent hacking and account breaches.
Account access is available 24 hours a day with updated information on deposits, withdrawals, debit purchases and cleared checks.
Customers can research which checks have cleared and often view pictures of cleared checks for the previous 60 days at least. This can save time and money when looking for specific transactions.
Most banks use an encryption protocol on their servers called Secure Sockets Layer to protect against hacking. While this is strong from the bank's side, personal computers don't enjoy the same level of protection.
For FDIC member institutions, insurance is available on bank accounts up to a total of $250,000 per depositor. Be sure to use only legitimate insured institutions to protect assets.