LOL Violette, I am sure it is duplicated somewhere on the forum, but APPRECIATE you taking the time to respond smile

The most I will do as far as banking, is to check my balance and transfer funds. Not ready to trust "cyberspace" to anything else as yet. Hey, it took becoming age 53, moving in with my boyfriend last year to finally figure out I needed to free up some "trees" from the snail mail I love. Now I love it, but still concerned about someone gaining access to my cash. But who knows, this may be the year for me to start doing "online" bill paying.