It will happen to you recently to receive promotional communications, with which banks ask you to open a new checking account and / or deposit.
The proposals are more or less attractive, with good rates of return, usually with time constraint, or with various gifts (holiday vouchers, technological gadgets trendy, zero maintenance expenditure account, etc.).
Most banks have a deposit account, but many of these are a mix of accounts to add the ability to play the classic banking.
In most cases these accounts with exclusive opportunity, and not, of "online operation", which allow banks to reduce the fixed costs and labor costs are reduced because inevitably insiders.
Attention because they often choose the report only on line, involves additional costs if then we must go to the door.
For example, to existing customers with a traditional account, to cut costs, banks suggest increasing the operation online and telephone.
The bankers are divided, some believe that the ideal is to have a bank that will allow you to make all transactions online (Internet / telefono) but that it also has the ability to have a direct relationship with a banking institution, even for just a support for operations that the customer does not want or can not do on-line or by telephone assisted.
To choose a first skimming can be done is definitely based on ISC (Synthetic Cost) which includes all costs to be paid.
The rest goes to "sentiment”, having some familiarity with the new technologies will be encouraged to act in front of your computer, saving time, money and hassles (prevents travel by public transport, code, etc.), others retain the habit of shaking hands with the bank branch (and then human relationship, physical media, etc.).
Alex Gaetani
To learn more I recommend reading the following books and ebooks: