Online and Mobile Banking

Introduction

Online and mobile banking allow you to manage your money with ease and convenience. These digital banking options give you access to many traditional services without having to visit a branch. While these options are becoming increasingly popular, they may not meet all your financial needs.

Getting started with Online Banking

  1. Gather your account numbers
  2. Find your bank or credit union’s website
  3. Register for access to your bank or credit union’s online banking platform
  4. Log in and take a tutorial if it’s offered by your bank or credit union to learn your way around the platform

 

Features of Online Banking

  • Monitor your account activity
  • Keep track of where your money is going each month
  • View deposits, withdrawals, and payments
  • See checks after they clear
  • Check your account balance
  • Apply for loans or credit cards
  • Open new accounts
  • Print and review account statements
  • Save an electronic record of your banking documents Other common features of online banking may allow you to:
  • Transfer funds from one account to another
  • Schedule payments and pay your bills securely from your account
  • Track your spending and build your savings with money management tools
  • Set up alerts to inform you of a low balance, when payments are due, and when checks post

 

Getting started with Mobile Banking

  1. Download the app from the financial institution’s website
  2. Register for access to your bank or credit union’s mobile banking platform
  3. Log in and take a tutorial if it’s offered by your bank or credit union to learn your way around the platform

 

Features of Mobile Banking

  • Deposit checks by taking and submitting a picture
  • View check and deposit images
  • Pay bills
  • Transfer funds
  • Explore detailed account activity
  • View balance information
  • Use GPS to locate ATMs and branch locations
  • Get spending alerts
  • Put controls on your cards to restrict spending
  • Tap a button to call a customer service representative
  • Make peer-to-peer payments
  • Set up travel notifications
  • Turn your debit or credit card off if it goes missing or is stolen
  • Get a code to access the ATM if you don’t have the card with you
  • Receive alerts for low balances and when your transactions post Using text banking, you can quickly request and receive account information via text message.

 

Online Bill Pay

Online bill pay allows you to pay your bills online instead of writing and mailing paper checks to pay virtually any company or person in the U.S. — your credit card company, electricity bill, cable bill, or dentist. You can even use online bill pay to send money to friends and family.

Further Reading

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