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A direct bank (sometimes called a branch-less bank or virtual bank) is a bank that offers its services only via the Internet, mobile app, email, and other electronic means, often including telephone, online chat, and mobile check deposit. A direct bank has no branch network.
In 2001, Bank of America became the first bank to top 3 million online banking customers, more than 20% of its customer base. [11] In comparison, larger national institutions, such as Citigroup claimed 2.2 million online relationships globally, while J.P. Morgan Chase estimated it had more than 750,000 online banking customers.
Distance is typically limited to about 1.5 miles (2.4 km), but links of up to 5 miles (8 km) from the base station are possible in some circumstances. [ 100 ] LMDS has been surpassed in both technological and commercial potential by the LTE and WiMAX standards.
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