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    Today , most large national banks , many local banks and credit unions offer some form of online banking , variously known as PC banking , home banking , electronic banking or Internet banking . Online banks are sometimes referred to as “brick-to-click” banks , both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking , as well as from “virtual”（虚拟）banks that have no physical branches or tellers whatsoever .
    The challenge（挑战）for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it . Most of the large banks can now offer fully safe ,fully functional （功能的）online banking for free or for a small cost . As more banks succeed online and more customers use their sites , fully functional online banking will likely become as commonplace as automated teller machines (ATM).
    Online banking has a lot of advantages . Unlike your corner bank , online banking sites never close; they’re at hand 24 hours a day , seven days a week , and they’re a mouse click away . If you’re out of state or even out of the country when a money problem appears , you can log on instantly to your online bank and take care of business . Online bank sites generally carry out and confirm （确认）deals at or quicker than ATM processing speeds . Many online banking sites now offer fashionable tools to help you manage all of your valuable items more effectively .

    1. 1.

      The word “eliminate” in the first paragraph probably means “         ”.

      1. A.
        keep
      2. B.
        remove
      3. C.
        reduce
      4. D.
        improve
    2. 2.

      What is the challenge for the banking industry according to the text ?

      1. A.
        To make online banking attractive .
      2. B.
        To open new services all over the world .
      3. C.
        To offer online banking for free .
      4. D.
        To take care of business 24 hours a day .
    3. 3.

      From the text we can conclude that            .

      1. A.
        “brick-to-click” banks are in fact another kind of physical banks
      2. B.
        the function of a “brick-to-click” bank is as common as that of an ATM
      3. C.
        a “ brick-to-mortar” bank is no better than a virtual one
      4. D.
        customers can deal with their banking by a mouse click
    4. 4.

      What would be the best title for this text ?

      1. A.
        Banking of Various Forms
      2. B.
        Improvement of Banking Industry
      3. C.
        Development of Online Banking
      4. D.
        Functions of the “Brick-to-Click” Bank
    BADC
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