Here are 3 common reasons why some people avoid using online banks:

1. Prefer in-person banking – Many like the personalized service and familiarity of physically going to a local branch and interacting with tellers and bankers face-to-face. Online banks operate fully digitally.
2. Security concerns – Some have doubts about the security of online banking, worrying their accounts and information may be more susceptible to hackers without a physical branch.
3. Technological barriers – Particularly older demographics, may not be as tech-savvy and struggle with the idea of managing accounts fully through a website or app rather than paperwork.

However, while understandable, these concerns are often misplaced:

• Many online banks offer high-quality customer service via phone, chat, email or video call to replace in-person interactions.
• Online banks utilize top-notch security measures like encryption, multi-factor authentication, biometrics etc. to fully protect accounts.
• User-friendly websites and intuitive mobile apps make digital banking easy for anyone once learned. Some even have physical service centers.

With FDIC insurance on accounts and robust cybersecurity, online banking offers a convenient alternative to traditional banks with few downsides for the vast majority of customers. But overcoming old perceptions takes time.