What is the difference between online banking and trading?

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What is the difference between online banking and trading?

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Online trading involves stocks or bonds, and your money in these investment vehicles is not insured by the FDIC. Online banks also offer investments, but they are usually based on the banks paying interest to the customer to use their money. Therefore, returns are often constant or vary little in comparison to stocks. Some online banks offer online trading, but by law they must clearly explain the difference between them.