Sometimes, depending on the bank, you may have trouble communicating with foreign customer service operations. To cut costs, online banks tend to use call centers located in countries where English is not the native language, making communications sometimes more difficult. You want to find an online bank that has excellent customer service, one with highly trained representatives who will always be there to help you should you have any questions. Online banks tend to put holds on online deposits and withdrawals from three to five days. Online banks may have a simple or complex user interface that may change with each new version of the website, so it may require a user to learn how to navigate it. Users of online banks no longer have the local human presence of the teller who greets them; for some, the human touch and trust factor are important considerations. These are just some variables that users must consider when deciding which bank to choose.