More Americans than ever are navigating online banking thanks to social isolation.

The best online banks now offer a full range of personal financial products and banking services, including checking and savings accounts, money market accounts and most having ATM access.

People have been carrying out financial fraud since the days of “washing” checks to change the payee. Zelle and Venmo are now battling for payments to our peers.

Although banking has been around in some form for thousands of years, modern banking has a much briefer and more recent history.

In the midst of a pandemic more of us are stuck at home than ever and therefore not visiting our local brick-and-mortar branches.

With more and more national and online banks, consumer choice is more extensive than ever.

On top of quality customer service, the top national banks also offer lower fees, higher interest rates and access to physical branches in the majority of states.

Regional banks usually serve multi-state areas with nearly as many account offerings and services as the big multi-nationals, all while maintaining a more localized focus.

Today, many credit unions have broadened their membership requirements to allow more customers to join.