Really? It's called an application. You write one specifically for the bank. Also the cost of the electronic transfer doesn't have anything to do with the problem.

Isn't everybody supposed to be storing everything in The Cloud soon? Capacity won't matter and it will be available all the time and it will just work over the all encompassing, ever reliable, internet? Web apps for everybody!

I still don't get the continuing obsession with the idea that everything on the internet should be free. There's no free lunch. It costs money to run the servers, write the software, create the information that is being served and on and on. Yet all this should be free. So everything ends up being supported by ads. If customers would be willing to pay a reasonable free for the services rendered, everybody wins. The folks who run the service can stay in business and customers can get a quality product without being bombarded by ads.

The rate at which demand is increasing will far outpace any attempt at building infrastructure to keep up. It's that simple.
A simple solution is to rely on old fashioned supply and demand. Demand is huge and the supply is limited. Use all you want, you just have to pony up for it. It's fair for everybody. Maybe ATT could lower the price for customers who don't use a ton of bandwidth.
I'm not an advocate of the capitalism-can-solve-everything view but in this case it seems straight forward.

Apparently you need to spend more time at a real university to strengthen your vocabulary and understanding of human communications. You used the metaphor 'Brick and Mortar' no less than 8 times and have failed to understand that a quality education is more than reading a bunch of web pages. Human communication is far more complex than can be expressed in a set of online documents. The interaction with fellow students, professors and the scholastic environment are all critically important to the educational process. Were this not true, distance learning would have become the standard for higher education long ago with the advent of the modern printing press and the ability to take colleges courses by mail. Of course the idea of fulfilling any type of laboratory requirements online is simply laughable. The very notion of a laboratory requirement is to force the student to practice what he or she is studying in a controlled environment with fellow students (lab partners), some type of supervision and assistance. Even a lousy TA is better than none at all. There is also the practical problem of the equipment required for any lab be it chemistry, biology, physics or even CS. Even lowly English majors benefit from a real library and fellow students with whom to exchange ideas. Laboratory time also fosters the ability to work together on a project. A skill that is becoming ever more rare in the field of computer technology. A higher education that has any worth is much more than simply completing the reading requirements outlined in a syllabus and taking a few fill-in-the-blank tests. Itâ(TM)s a dynamic, challenging and serendipitous experience. The web makes a great reference manual and poor substitute for something real, deep and meaningful. As for substitutes for the term âoeBrick and Mortarâ, how about: real, genuine, tangible, physical, actual, corporeal or manifest?

Sorry but Mozy does not search or index you backup data. They're starting to offer a service like this but it works ONLY if you use the Mozy supplied encryption key. With the Mozy supplied key your data can then be unencrypted, stored and indexed. Yes it's then stored unencrypted on the servers. If you choose to use your own private encryption key, then Mozy cannot do anything with your data. In any case, Mozy does not encrypt file names. File names and directory paths are stored on the servers unencrypted.