Online checking account makes life easier and more convenient for you these days. You do not have to travel and spend money on gasoline to do a transaction in the bank. Just like everything else, an online checking account has advantages and disadvantages. It would be more helpful that you also get to know its disadvantages before you proceed in applying.
With an online checking account, definitely there is no face-to-face interaction with a bank personnel, unless you choose a local bank to open an online checking account. Most of your contacts would be through email or phone. It also relies on technology, so if you are located in an area with difficult internet connections, this might not be a good idea for you. One of the biggest disadvantages is the fees associated with it. Fees could be per service, including talking with a customer service representative or a flat monthly rate.
You might be more comfortable with a physical bank location. Another disadvantage is the absence of a physical location and wonder when your check will be credited to your account or might get lost in the mail. Again, you cannot talk to a customer service representative in person. If you are dealing with an error on your checking account statement, it would be faster if you go to a bank branch instead of sending and receiving an email or talking on the phone.