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So, troubled though it may be, home banking still seems to have a future.
Suddenly, though, home banking is back, and this time it may fly.
There have been almost no criminal attacks on home banking systems.
Ever since personal computers became available, banks have tried to sell home banking services.
But home banking, including bill-paying, using the personal computer is not dead.
Banks have also put years of effort into promoting home banking by computer, but it has not been a big success.
Even 10 years later, there were hardly more than 100,000 home banking users nationwide.
These systems - which would be offered by banks and other companies - are meant to pick up where current home banking services leave off.
"I see the computer and I think, let's do an article about home banking."
Aside from Chemical, those banks say they are still generally positive toward home banking.
Now, home banking is failing for the opposite reason.
However well the payment systems work, home banking programs still cannot deliver cash or take deposits.
That does not mean home banking is dead.
It's one of the first home banking service founded in Italy in 1999.
An example would be on-line transactions like home banking or ads on Prodigy.
Small and midsize banks are eager to offer home banking to give them an edge over larger institutions.
Citicorp has been active in developing various forms of home banking.
Microsoft is developing interactive programs including ones that allow home banking and the gathering of sports statistics.
For even though consumers can now pay bills by computer with a few keystrokes, home banking is far less high-tech than it appears.
In 1989 the group published a definitive guide to breaking security on Bank of America home banking systems.
He said Prodigy's home banking, travel and discount brokerage services are enjoying steady growth.
What can be a problem, however, is having bills paid promptly and accurately, the most sought-after feature in home banking.
Home banking by computer does not allow consumers to perform two of the most important tasks - making a deposit and obtaining cash.
It will be linked to videophones, picture mail, teletext and home banking.
Those customers use Checkfree's services to provide home banking and bill payment to consumers.