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  • To learn more about Clarkston State Bank's merger into Waterford Bank, N.A., visit our Merger Center.

Mobile Banking 101

Mobile Banking 101

Mobile Banking 101 1280 800 Waterford Bank NA

In our day-to-day life we’re always looking for ways to simplify things, saving us valuable minutes – or hours in a busy day. Since managing your finances should be one of your top priorities, wouldn’t it be nice to save a little time there too?

That’s where mobile banking comes in! It significantly reduces the amount of time you need to spend at the bank, on your desktop, or even at an ATM. As a result, you get to do more with that time and breathe a sigh of relief knowing you can manage your money on the go!

Today everything is mobile. From ordering your dinner, to buying tickets, and keeping up with your busy social life; with just a few clicks these time consuming tasks are managed! With mobile banking you can bring the ease of managing your money right to your favorite mobile device. Generally, it’s as simple as having a valid banking account and downloading your Bank’s app right to your smartphone or tablet.

Mobile Features

So once I’ve downloaded the app what can I do? We’re glad you asked! On a mobile banking app you will usually have the ability to monitor your eligible accounts in real time, meaning that you get up to the minute information on money moving in and out of your account. Other services can include the ability to make transfers between accounts, pay bills, and even make mobile check deposits with the use of your mobile device’s camera.

Better still – many banks offer this tool for personal and business accounts! Though features may vary from bank to bank, you should have an arsenal of useful tools to manage your day to day finances for the home or office.

Security

You’ll want to check with your specific bank about their security offerings, but it’s fairly common for them to use multiple layers of security to keep your information safe. This can include but is not limited to SSL Encryption, Two Factor Authentication, and even bio-metric safeguards (like using your fingerprint to unlock your app).

Regardless of the established security your bank puts into place, you should also do your best to keep your protected information out of criminal’s hands. This can include:

  • Using strong passwords for your phone, your apps, and online logins.
  • Ensuring that your Wi-Fi connection is secured and never using a public or unsecured Wi-Fi connection to look at your protected personal information.
  • Although storing your bank account details in your phone sounds convenient, don’t do it. Your phone could fall into the wrong hands at any time! If you need to store those details, ensure that it’s somewhere safe – not on your mobile phone.

As technology continues to evolve, the features of Mobile Banking will grow right along with it. Do yourself a favor and download your bank’s mobile app today to have the latest financial management tools at your fingertips!


At Waterford Bank, N.A. we have a variety of Mobile Banking Tools available for your business and personal life. Learn more about our mobile banking services.

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