If you are not ignorant, you are just an idiot. Name a single consumer/commercial bank in China that offers no online service? In fact the bank in China are in far advanced in online safety compare to what US bank has. Almost all banks in China use two layer security system, which requires a USB disc and online password to log into an account. Based on US bank internal control standard, most Chinese bank faired higher score. You should see how many Chinese banks are in the fortune 500 list before you blindly blame anyone.