Though the practice isn't in danger of the becoming extinct just yet, going to your local bank branch to conduct business is appearing increasingly quaint today. And unfortunately for branch-based banks, the high-tech experience offered by online banks is becoming more refined. Online banks are nothing new, but there have been significant changes recently among some of the major players in the market. Barclays Bank, a venerable UK institution, started offering online savings accounts and CDs in the U.S. last year while ING Direct, one of the pioneering online banks, recently became Capital One 360. Now EverBank has announced a face-lift, including new features on its website and some lower fees for its online checking and savings accounts.