I don't do any transfers, deposits or anything like that online. What I do is have a Excel spreadsheet I use as the check register. I'll put in what I paid, this & that and about once a week I go online and check the balance against my bank statements. If needed I can print the statements for the whole year. I can also do this from my phone but I don't. I am not sure if it was set up at the bank or not? Now I know most banks have this feature (at least here in the states). They even have a app that you take a photo of a check to deposit and it makes the deposit over the phone. BUT back to, I have no idea if BOC or any other China bank has this avail.