I would agree with Kyle Morgan if Huntington included external ACH access with their free Online Banking package but Huntington doesn't so the $2.95/month is not purely an issue of using the bank's website with Online Banking versus "banking offline" (whatever that means) on your own PC with PC Banking. ACH transfers are routinely done and available at many banks' websites for free (2 of my 3 banks offer it for free, the third does not offer it at any price). Huntington offers "free Online Banking" while charging $2.95/month for an ordinary online capability. Of course, "free Online Banking" means something different than "free online banking" but how many consumers would catch that?