As banks shift services online, elderly clients unable or unwilling to use internet banking risk losing access to financial services. We design and test training interventions to foster internet banking in a field experiment with more than 27,000 elderly non-adopters at a large German savings bank. Training take-up is strikingly low: only 2% of invited clients respond. Yet, conditional on participation, training is highly effective: the two-hour training program increases internet banking setup by 25 percentage points and raises online transactions by 13 percentage points – effects that persist four months after training completion. A follow-up survey with a broader sample of elderly non-adopters reveals why take-up is low despite sizable training effects: two-thirds of elderly non-adopters display persistent reluctance towards internet banking adoption, which is not sensitive to subtle changes in the framing of training invitations. The remaining third are constrained by a lack of skills and support, which could be overcome by our training intervention.