Mobile and online banking have simplified and redefined how we manage our finances. People are increasingly using digital banking services to securely monitor account activity, pay bills, and make daily purchases, whenever and wherever they please.

Learn how you can embrace the world of mobile and online banking – a realm that can help you develop healthy financial habits and make managing your money more convenient and efficient.

Why Use Online and Mobile Banking?

Anytime you interact with your financial account via the internet on any device, you’re experiencing online banking. When you access financial accounts via an app on a portable device like a phone or tablet, you’re using mobile banking. Both experiences offer several benefits:

  • Convenience on command. Accessing your personal financial information online is simple and quick, even when you’re on the go. Pay your bills, transfer money, or monitor account activity from anywhere with an internet connection – even on Sundays and holidays. Your finances are always just a click away.
  • Straightforward security. With online and mobile banking, your information is typically protected by encryption and a password. Multi-factor authentication may also be used, and after a few minutes of inactivity, you’re typically logged out of your financial account.
  • Real-time finances. Online and mobile banking give you instant access to your accounts, so you can keep tabs on balances and credit limits (among other things). This will help you steer clear of overdraft fees and stay vigilant about spending. Many online and mobile banking experiences also offer personalized notifications and alerts to keep you on top of your finances.
  • Added perks. Many financial institutions offer a slew of features like mobile check deposit via mobile banking and live chat options via mobile and online banking for a seamless experience. These benefits vary by institution, so make sure to explore what yours offers. 
What Is a Digital Wallet?

Depending on your online or mobile device, you may have access to a digital wallet, which stores your financial account or card information via an app. The digital wallet enables you to enjoy swift transactions with participating merchants, with information encrypted for added security. Key features include:

  • Direct connection. Connect your digital wallet directly to a financial account or card.
  • Omni-purpose. Use your digital wallet for both in-person and online purchases.
  • Access anywhere. Manage your digital wallet from multiple devices, like a phone, tablet, and computer.
  • More than money. Add event tickets, coupons, and loyalty program cards to most digital wallets.

To use your digital wallet for an in-person purchase, hold your device near a compatible terminal at checkout. You may need to authenticate the payment by entering your PIN or using your device’s fingerprint reader (if it has one).

Getting Started: A Step-By-Step Guide

Ready to enjoy the benefits of online and mobile banking? Many financial institutions offer digital banking services through their websites or mobile banking applications. Get started with these steps:

  • Speak to your institution. Ask your financial institution representative about online and mobile banking options. They should direct you to the appropriate website and/or mobile banking app, if your institution has one. Of course we do!
  • Follow their instructions. Download your institution’s mobile banking app or register for online banking on their secure website. You can also consider other reputable mobile payment apps to help you transfer, track, spend, and manage your money.
  • Make a secure password. Protect your account with a password that uses a mix of numbers, letters, and symbols and is free of guessable or searchable information, like your name or birthday. Keep this password to yourself.
  • Set up your digital wallet. If your device has a digital wallet option, set it up by linking your financial accounts or cards to enable online and in-store purchases. 
Dive Into Digital Banking

Mobile and online banking services can be a secure, convenient, and flexible way to manage your finances. We develop innovative products and services like these designed to help you keep up with the demands of the 21st century. Discover the digital banking services we offer – plus so much more.