USPS will prosecute you for online banking. You can get against the law for
avoiding the USPS, just kidding.

But, USPS cannot stop you from
doing avoid them because you have online billings!
LOL PO not gonna do anything. They earn revenue from junkmail and parcels. First class volume have lessen a bit but Standard class volume have increased. That's why you are seeing junkmails in mailbox. I works for PO for 17 years and I know why. Actually PO are not in debt. They are financially strong and in green. They are earning over billions of dollars as I speak. There is no way for Email or electronic payment that will hurt PO. PO encourage that. Remember, there's always be First class mail for next 50 years. Goverment, Court, Lawyers, Doctors, and anyone in profession prefer delivery in PAPER through mail instead of Email (email attachments) or Fax to prevent fraud ect..
Right now, As for stamp increase to 41 cent. Now that for the first time in our History, PO started "Forever Stamp" which means if you buy bulk of 41c stamps, IT WILL BE AS GOOD AS THE NEXT 5 TO 10 YEARS. You will notice there is no price on it!! So If you buy 100 stamps maybe 1,000 of them, You save it in your dresser for next 10 years. Then If you use it and mail it. It's still good, you DO NOT have to worry about adding another 1c or 2c stamp beside it that we used to.
Since PO is financially strong, They do not need to worry about losing money. They had fought Congress for many years to let them be free from Escrow and being a Congress's "cash cow". Actually when I first came in. Congress treated PO like their "cash cow" and next 5 years, they finally stopped doing it cuz PO was in red ink often. PO fought alot until they proved that they don't need taxpayer's money to assist. Then Congress made a law to "revenge" PO to keep up their budget above Escrow level (Congress cut CSRS retirment funding because it was making too much money and also other funding that should be PO's was cut too). Then Until last year, Finally Congress removed Escrow because it's hurting PO for nothing. PO budget shot up and restored everything. Now many retiree who were under CSRS retirment are able to have health care under PO (they pays a little more than I pay for health care). It would be a good news for me and rest of deaf PO employees to have heathcare under PO once retired. And PO opened up the cap for TSP to allow employees to contribute as their heart desire (back then was limited to 5% contributuion. for example: I contribute 3% of TSP fund, PO matches with 3% which is "extra free money", that's it) But PO will only contribute 5% while employee can contribute as much they wish. So that employees can retire comfortably. It depends on individual employees if they can afford. IF they paid off their house long before retirment age, then They can adjust it to pay more on retirement in order to have better retirement.
Currently PO are replacinig lot of aging equiptments and vehicles which are due to retire. I've seen Mail processing machine going downhill and Electronic technicians had to keep repairing until PO replace it (million dollars craps!!). Each machines cost $500,000 or more. Optical Character Reader (OCR) cost $2 million to replace. Both machines process 35,000 pieces of letters per hour!! (runs like a machine gun w/ hundreds of pinball flappers each bins). they are phasing out OCR machine and will combine Canceller machine to DIOSS machine which eliminate few clerks jobs and make productitvity fast. But still they cannot always eliminate clerks jobs at all becasue there are ALWAYS a reject mail to be worked on and also if machine breaks down (typical of machine), Clerks will have to do manual work till machine are up and running. So it make NO difference in job eliminatation. Manual clerk job will always be there the next 50 years. There are too many shape size and texture of letters and flats that are not always compatible with machine. Machine can't even cull out jam itself (dumb machine anyway LOL) so require manual labor to pull out jams. One Machine jams about at least 200 times throughout the nights which creates headaches to clerks LOL. All machine can't handle thick letters so have to do manually. Too many customers mail key, coins, jewely, tape recorder, pen and any solid objects in letter causing machine to jams or spit objects out of letter. (One machine also have over 500 feet worth of belts and pulleys that letters goes through nook and cranny)
That's why few of you received beaten and taped up letter (maybe in plastic bag say "we're sorry that .....) with no objects in it when letter says it's in there. Huh!?.
MY personal advise PLEASE DO NOT mail in skimpy letter, put cardboard or anthing thick to sandwich between the object inside letter and TAPE around the flap of envelope!!! then write "hand deliver only". OR you can mail funny way by mailing pair of cardboard sandwiched between object and tape it to secure it then write TO: and From: address and mail it (be sure ZIP code are clearly written, that's the first thing manual clerks will see for quicker sorting.) This force mail processor to cull out when they see thick letter which is not machineable. I'm not suprised that PO stations DO NOT warn customers about their letter may go through beating of PO's machine.
That's the fact.
Catty