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Texas Department of Banking

Online Banking has evolved into an innovative financial tool since it was first introduced in the '80s as "home banking." Consumers and businesses immediately embraced the idea of being able to bank anytime, anywhere. The concept of home banking was created during an era when America was morphing into a "self-service" society. The ability to quickly and efficiently get the banking done meant you could mark one very important item off the "to do" list.

Online Banking benefits financial employees as well as its customers. Tasks that could once only be completed by a bank employee are now quickly and easily handled by the customer at their convenience. Because of these and other advantages, Internet Banking continues to grow at a dizzying pace. Everyone will agree that Online Banking is a powerful business delivery channel that assists customers in better managing their personal and business finances. These same channels that provide unquestionable benefits are now being used to facilitate Internet attacks on businesses and Financial Institutions from anywhere in the world.

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