ALABAMA A&M UNIVERSITY CHEERLEADING 

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Online banking solutions have many features and capabilities in common, but traditionally also have some that are application specific.
The common features fall broadly into several categories
Transactional (e.g., performing a financial transaction such as an account to account transfer, paying a bill, wire transfer, apply for a loan, new account, etc.) Payments to third parties, including bill payments and telegraphic/wire transfers
Funds transfers between a customer's own transactional account and savings accounts
Investment purchase or sale
Loan applications and transactions, such as repayments of enrollments
Non-transactional (e.g., online statements, cheque links, cobrowsing, chat)
Viewing recent transactions
Downloading bank statements, for example in PDF format
Viewing images of paid cheques
Financial Institution Administration
Management of multiple users having varying levels of authority
Transaction approval process
Features commonly unique to Internet banking include
Personal financial management support, such as importing data into personal accounting software. Some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.

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The precursor for the modern home online banking services were the distance banking services over electronic media from the early 1980s. The term online became popular in the late '80s and referred to the use of a terminal, keyboard and TV (or monitor) to access the banking system using a phone line. ¡®Home banking¡¯ can also refer to the use of a numeric keypad to send tones down a phone line with instructions to the bank. Online services started in New York in 1981 when four of the city¡¯s major banks (Citibank, Chase Manhattan, Chemical and Manufacturers Hanover) offered home banking services[1] using the videotex system. Because of the commercial failure of videotex these banking services never became popular except in France where the use of videotex (Minitel) was subsidised by the telecom provider and the UK, where the Prestel system was used.