Online and mobile banking

Online and mobile banking can provide convenience and allow you to monitor your accounts at any time.

Learn about mobile and online banking

Instructions: Click each phrase to learn more about online and mobile banking.

Online banking overview

Online banking is offered by most financial institutions. This type of banking allows you to manage your accounts, pay bills, track spending, and transfer funds — all online. With most online banking tools, you can access your accounts anytime and anywhere you have internet access.
 
Never tell anyone your online banking password and change it periodically. Don’t use your name, your children’s names, Social Security number, birth dates, anniversary dates, phone numbers, pets’ names. or any other easily guessed information as your online banking username or password.

Manage your accounts with online banking

Online banking can help you manage your account and:

  • Monitor your account activity
  • Keep track of where your money is going each month, via deposits, withdrawals, and payments
  • View checks as soon as they clear
  • Print and review account statements
  • Save an electronic record of your banking documents

Additional features of online banking

Other features of online banking allow you to:

  • Transfer funds from one account to another
  • Schedule payments and pay your bills securely from your account
  • Send and receive money through your online 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

Important considerations for online banking

It is important to remember that the information in online banking does not replace your own transaction register. The available balance may not include all your outstanding authorized payments. Keep an accurate record of all your payments and withdrawals in your transaction register so you know at any given moment which payments are outstanding — whether or not they have been withdrawn from your account.

Mobile banking

Mobile banking allows you to check your balances and transfer funds right from your mobile phone or device.
 
Some providers offer different ways to access mobile banking — via a mobile website, mobile applications, or text banking.
 
Someone using a smartphone.
 
By using secure log-on information, you can check your balance, transfer money, find the closest bank or ATM, and pay bills from your mobile device.
 
With text banking, you can check your balance with a simple text command. Some financial institutions can send you a text if your balance goes below a certain amount.
 
Using these tools may help you manage your money better and meet your savings and debt reduction goals, no matter where you are.

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