Thanks for the tip, Clive. I do receive paper statements (WOW - what an anachronism in these days) and keep them filed. Our bank statements here reflect both in-bank, cheques, and online activity. There isn't such a thing as a strictly online account, which is the impression I'm getting of the UK. I can access my account (or Mum's) any way which is most convenient to me (with attendant fees, natch).