Alma Villalpando, a program director at Eastfield College in Mesquite, Texas, says she's comfortable using a computer. She even offers training programs on cybersecurity.

But when it comes to online banking, it's a firm, "No."

"I don't trust it," she said, citing a lack of reassurance from her bank. "Not once have I received a statement saying, 'These are the steps we are taking to secure your identity.'"

While online banking is growing, some consumers still shun it. She echoes what recent studies have revealed: Security is the top reason some consumers give for not taking advantage of the convenience of online banking and bill paying.

Bankers, meanwhile, are trying various strategies to change consumers' minds, slashing bill-pay fees and offering access to online services at bank branches. Banks say they're eager to boost their online accounts because those customers are more loyal and maintain bigger balances.

Bankers also are working to educate consumers on the safety of Internet banking.

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