请认真阅读下列短文，从短文后各题所给的A、B、C、D四个选项中，选出最佳选项。
Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to eliminate costly paper handling or teller（出纳员）interactions in an increasingly competitive banking environment.
Today, most large national banks, many local banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Online banks are sometimes referred to as “brick-to-click” banks, both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking, as well as from “virtual”（虚拟）banks that have no physical branches or tellers whatsoever.
