I do most of my banking online and only go there when I received a cheque. Most of my payments from my online jobs are via PayPal and I just transfer the money to my bank account linked to it. More and more people are going for online banking as they have realised that online banking is quite convenient and secure.
The overall banking process has become more or less a completely automated process. I often wonder whether it is fair for banks to charge us for that. I am quite happy that my bank does not charge me anything for keeping my current account but I learnt that a lot of my friend are. They did not know that initally. The Banks have no right to levy bank charges to individual accounts.
Now, people are finally saying "No!" and getting bank charges refund. I hope more and more customers here in the UK realise that.