Which is your most effective and most used method of conducting your banking business? Is it via phone, internet or do you prefer face-to-face interaction with your banker? I, personally, appreciate the ease and convenience of conducting my banking on the internet, as it "eliminates the middle man", without me having to expend any extra physical effort, or use up my car's gas, just to head to the bank. I also love the phone, as it allows me to literally be mobile with my banking, so that I can still get my business done even when I'm travelling or on vacation! But I still can't forsake the value of human, face-to-face interaction, because in the event that I have some perplexing questions that haven't been pre-set into a virtual machine, it really helps when my banker can answer them for me, or at least field them to a higher authority, aka the manager. So, what is it for you? Which is your best mode of conducting your banking? Phone, Internet or Face-to-Face?