Consumers are happiest when dealing with their banks online and least happy when they get a computerised voice response on the telephone.Roy Morgan Research asked retail bank customers to rate their various interactions with their banks. The satisfaction rating for all four big banks was at 90 per cent or above when customers used the internet.The rating for internet banking using an app on a smartphone or tablet was a little lower.Surprisingly, the level of satisfaction with branch banking was also high - at 90 per cent for Commonwealth Bank, 87 per cent for NAB and 86 per cent for ANZ and Westpac.Telephone banking was the least popular form of interaction. Where the telephone banking session involved a person on the end of the phone, satisfaction scores were between 78 per cent (for ANZ) and 82 per cent (for CBA).Where the telephone banking session involved computerised voice response, satisfaction scores were between 72 per cent (ANZ) and 81 per cent (NAB).