hi im using commercial bank online service, but its not online service, they update all transactions manually.
egs:
01: if u deposit some amount to your credit card via ur com bank acc, it takes 2 hour to update.
02: if u want to transfer money for different ban acc. they charge rs.300 for each transaction.(if foreign account, they will kill u) & you have to do all the thing only on office time otherwise it goes to next day.
the real scenario> online (but offline service)
that's ok for someone, who doesn't want to go to bank.