Similarly, there is a shift in the account holder's mentality too. They find Internet banking convenient, comfortable and relatively safe. However, it is in their interest to know how safe their online bank accounts are.
As FDIC says, "safe banking online involves making good choices decisions that will help you avoid costly surprises or even scams".
Having said that the FDIC provides information and tips to understand whether the online banking account you propose to use is legitimate.
Confirm that an online bank is legitimate and that your deposits are insured
Keep your personal information private and secure
Understand your rights as a consumer
Learn where to go for more assistance from banking regulators
Find more details on safe Internet banking here