Online Banks

I'd be curious to see who uses online banks more or less exclusively; i.e; PC Financial, Tangerine (formally ING Direct), etc., compared to the big, store front banks such as TD, CIBC, Scotia, RBC for your checking, savings, and investment accounts. Tangerine, for example, doesn't offer Lines of Credit or credit cards, so excluding credit, who uses online (or mostly online) only banks? How do you find it?

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