Answer:
She should use online banking and only use her local bank when needed.
Explanation:
As Karen does not like driving to the local bank branch, and also does not think that it is secure to do financial transactions on her phone.
So, the best option for her is using online banking.
Online banking are password protected and a computer at home has less chances of being misplaced or stolen as compared to ones phone.
So, it is safe to use online banking if you need daily or easy transactions.
And for some complicated thing, you can visit your bank.