Web banking is awesome - I can check my balance every day, any time I want. The drawback to web banking is the same we have with monthly statements: Knowing that a check has done out (or needs to go out), but the bank doesn't know this yet
So you look at your bank balance online, except you forget about the check you wrote a week ago. You think you have more money than you actually do!
The solution is simple: use Running Balance to keep track of all your purchases and sent checks. You can even access Running Balance via the mobile web on your iPhone or Android phone (coming soon!) , to make it even easier to keep track of your purchases.