Hi, I'm Sandy and I look forward to help you today with the best answer possible.
I'm sorry about the issue.
I will work with you until it gets fixed. This is a question and answer session. Please do not hesitate to reply back to me at the box given below.
By online banking you mean visit the bank website(by launcing browser like internet explorer or Mozilla Firefox or google chrome) and login into your bank account. Right.
Do you have Windows 8.1 dvd?
Do you have very important data/files on this computer? OR it is already backed up?
Is it okay to restore it to factory settings.
What is the make of this computer? HP, Dell, Acer, Toshiba or other.
Please follow these steps once:
Turn off the laptop.
Disconnect the power cord.
Now unplug the battery. You can turn it over to remove the battery.
Hold down the power button on the laptop for 1 minute.
Now, connect only power cord and restart it.
If this does not fix the issue, please let me know.