Thanks Tony,"However, you need to have this log on enabled to work on the Internet Banking channel. Your branch should be able to arrange this for you, if it is not already set-up". Obviously this is the problem. I actually tried to log in directed by an AIB employee and she didn't cop that this was the problem. She thought that sending out the code card would solve things. I will arrange with my Branch to have log in enabled. With much thanks for clearing the matter up, Maureen.