Using an alias for online banking

[Strong9]

Sorry in advance if this post is in the wrong section:

So United States residents are not offered service to some e-wallets, which are paypal-esque businesses (moneybookers, neteller, etc). My question is if I have a friend sign up for an account at one of these sites for me in their respective residence outside the United States, and then grant me primary access to the account would I be violating any laws?

Also I will not be trying to get around US tax laws with this, just want access to use the accounts.

[Hosanna]

Banks encourage online banking because it is easy and convenient for their customers to access their account. Also it reduces crowd in their branches and hence it is enough if the bank staffs lesser people in its branches. Moreover online banking offers a variety of features that are simpler than visiting the branch and also cost effective for the banks in all ways. hence they are encouraging online banking.