and also, is it safe to use with things like online banking???? Do any of you guys use VPN?? And from which supplier???
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I don't see why not.
If the VPN company intercepted your traffic it would still be over an HTTPS connection so encrypted.
If concerned you could just disconnect the VPN when doing your banking. As easy as clicking connect / disconnect in the software.
You can try this
one for free for a few hours if I remember correctly.
strongvpn and vpntunnel are a couple of others.
They are as simple or as complex to use as you like.
You can just run the client software on a single PC or configure a router to encrypt all your traffic.
You can even VPN specific devices on your LAN and leave others off the VPN with the right router.