Which of these can be considered “online banking?”I. A brick-and-mortar bank that allows its customers to transfer money online.II. A bank that has only a few branches but has customers depositing money online.III. A bank that does not exist as a real building, but only has an internet presence.

Online banking includes banking services accessed through the internet, whether or not the bank also has physical branches. A traditional brick-and-mortar bank that lets customers transfer money online qualifies (I), as does a bank with a few branches that accepts online deposits (II). A bank that exists only online also qualifies (III), so the answer is “I, II, and III.”

AI-written and checked against the verified answer.