LAS VEGAS — Only 55% of the nation’s community banks have transactional Web sites, but within three years almost all will offer full-fledged online banking, a study released this week predicts.

The study includes responses from chief executives at 519 community banks with assets ranging from $100 million to $2 billion. It was conducted by Chicago accounting and consulting firm Grant Thornton LLP, which presented its conclusions at the Independent Community Bankers of America conference here Wednesday. The study found that 75% of community banks have Web sites, compared with 55% a year ago.

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