Deborah Fitchett wrote: <snip> So all your patron needs to do is make sure they go to the bank’s website, not some scammer’s. They don’t need any fancy extra services. …” Patron is concerned about using a library hotspot in her home and connecting to her brick and mortar bank using the library’s free WIFI and having some hacker or nefarious character who’s profiled her hacking into her brick and mortar bank Web site. Then her worry is connecting to the online bank’s Web site (still on the library free WIFI) and her online bank account being compromised. There has been a lot of fear mongering out there so people are afraid of going online to do any online banking. Thank you, Charles.