text: i applied for a checking account online and was approved.has anyone done this? and is it safe i do my banking onlline, i've done this for a few years.  i do it to save money.  i don't have very good control of myself when it comes to money.  i always pick banks that are not local so i can't go into the branch and get moeny, and i hate paying atm fees so i very rarely get money out.  i've went through citibank and loved them, i'm currently with washington mutual (wamu) and i like them too.  i have direct deposit and pay all my bill by mail.  i use my card at the pump for gas and as a credit at the grocery store.  you really don't need cash these days even mcdonald's take cards so i feel more comfortabke like this.  i don't know what your reasoning for doing it is but there's nothing wrong with it.