I researched two online banks Lloyds TSB and HSBC, and looked at there internet banking options. I think that HSBC offer more options for there customers then Lloyds tsb do. however Lloyds TSB's student account offers alot more then HSBC's student account, such as a free NUS card and free e music downloads. however HSBC offer a £2000 overdraft where as lloyds only offer £1500 overdraft. I think internet banking still has a long way to go before it will be completely safe, for eamaple internet banking is still very unsafe because that is alot of personal information is on there.