First off you should rule out malware (virus, keyloggers, etc) because they take processing cycles and generally slow things down.
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What AntiVirus software do you use and have you run a complete scan, please do so if you haven't?
-You might also
download Malwarebytes and run a scan with that (If you have an Antivirus software then do NOT activate their free trial of the full version because two AVs should not be active), you just want the passive manual scan.
-Also you might
run Spybot Search & Destroy but do NOT enable the tea-timer (uncheck that on install) and uncheck any toolbars or other crap they offer to add.
NOTES:
1.Please not that some things that pop-up are just adware such as coupon sites that also display advertisements. So if, for example, Coupon.com shows up on the list and your family uses that then uncheck the box when Spybot S&D offers to remove it.
2.There is another piece of Spybot S&D to immunize (it's the third tab down). This won't help your current issue but it may help protect your computer from malicious sites so I do encourage you run that piece too.
Links to Malwarebytes and Spybot S&D are available in our
freeware DB.
OK now let's say it is not malware ...
Next thing I would rule out hardware problems. I had a mouse that stopped responding and it turned out the wire was going bad and I would loose connection. So try a different mouse or what you can do is set your sounds for
Device Connect and
Device disconnect and see if you hear those sounds when your mouse stops responding (For sounds: Control Panel\Sound ... sounds Tab)
You mention you are doing online banking.
What browser and version are you using (IE9, FireFox, Chrome, etc)?
Very often add-ins can effect the browsers operation because it may disable scripts for example. I would suspect this is the most likely issue with your banking. To test this find the option do run your browser WITHOUT ADD-ONS and see if it is still impossible to click the items. If that works then one of the add-ons needs removed or adjusted to allow the banking site to function properly.
Other possibility is software running that is using all your CPU cycles. For example, some AntiVirus programs don't work well in some computers and slow things down. So please try the stuff above first and report back as well as answer my questions above.