What are your thoughts on Online Banking?

I am already using this facility when paying my online purchases. It is so far so good. It is easy and fast. However, the charges are a bit high. But as to the service, there is no question. The only word of advice which I receive from some of my online friends is not to leave my account unattended and also not to entertain scammer or be tempted with suspicious online transaction particularly this so-called phishing.