It was less than 10 years ago that Wells Fargo started the e-banking boom by letting their customers see their statements online. Today, some 22 million Americans do at least some of their banking online and 44 percent of Internet users who bank or pay bills use the Internet to do it. From click-and-mortar banks -- the ones that have Internet access in addition to offices you can walk into -- to virtual banks, such as VirtualBank.com and First Internet Bank, that exist primarily in cyberspace, customers now can make deposits, transfer funds, view updated statements and balances, view check images and pay bills from home, office or laptop. We show you how you can enter or expand your use of e-banking, examine the security aspects, warn you of the potential pitfalls and take a look at the future of e-banks and financial supermarkets.

What is online banking? -- How to evaluate today's banking choices -- brick, brick-and-click, virtual.

The lowdown on online services -- There are plenty of banking services available over the Internet. Here's what to look for.

Do you bank online yet? -- Eager to convert customers to the Internet, banks have dropped prices, improved efficiency and allayed security concerns, but some people continue to resist the technology.

Is a virtual bank right for you? -- This quiz will help you determine if you're likely to enjoy banking with an online-only bank.

Avoiding online banking fraud -- Customers are getting better at using their computers, but so are the crooks.

Danger! Scammers phishing for bank customers again -- The latest e-mail scammers can get your personal information, even if you don't provide it.

Savings bonds going online only -- The government wants to save money by cutting out the paper certificates.

Check out your bank, thrift or credit union -- Bankrate's Safe & Sound ratings feature assesses their financial condition.