<prompt> Human: I currently having an account with a big bank and a savings account with an online bank. Honestly, the only time I step foot into my brick mortar bank is to make an occasional deposit. Im considering going online only.What could I be missing out by eschewing a physicalbank?  <response>: Id suggest keeping a traditional big bank account for a little while as you transition. I started by opening a Savings account with an online bank to give it a test run a few years ago. My plan was to see how the savings went and then eventually transition my bank account over. Unfortunately at the time I had some life issues and had to move a few times within a 4 month period. With that, I was updating my address every where. The online bank locked me out. It was a fraud-monitoring-safety thing. I couldnt even log in to the bank. I had to jump through hoops... endless CSR people, emails of personal documents to those CSRs, faxes too... it was a major headache. I was locked out from my money for the better part of 2 weeks. Because of that Ive kept a savings account with the online bank and keep my traditional bank account at a bank. Now, moving a few times in a short period triggered the incident but it has made me weary. What if somethingthrough no fault of my own happens and I get locked out again. I cant be locked out of my fund source for an extended period of time. 