What is the benefit of e-banking?请问e-banking的好处是什么？

Advantages of e-banking:
1) Convenience
- can use banking service without queueing up, that save a lot of time
- no need to physically present to the branch of bank
- can use banking service any time and anywhere as long as you can access to internet
- can search for a lot of information yourself without asking bank staff for help
2) lower cost and higher return
- usually bank will offer a cheaper charging rate for service through e-banking
- usually bank will give a higher interest rate on deposit through e-banking
3) no embarrasement if you need a lot of service and information
- you can access the e-banking as long as you can. you do not need to worry about occupying the counter too long or asking too much that make the other people in the queue feel unhappy

I feel that E-banking has an advantages of CONVENIENCES, even you are travelling a lot, you can still access to your account by the protection of the personal password and perform the banking everywhere, I had a very bad experiences that I forgot to pay the bill but now I can pay the bill by accessing the website of the e-banking and pay the bill wherever and whenever I am in the planet. On the other hand, you don't have to wait for a long queue, you just access the website by internet as most of the countries can also provide Wireless and you can access the e-banking even you did not bring along your personal computer. I think that e-banking must be the most incredible invention for the 21st century.