It's free banking... so I guess you get what you pay for. The Business Internet Banking service is awful. It's often not available. The default statement display only shows todays transactions and the widget to set an earlier date is very slow if it works at all. When reconciling my bank statements I found a cheque I had sent with 2 other cheques on the same paying in slip had been omitted from the credit. When I queried it, the money was paid but with no apology or explanation.