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Discussion Boards => Off-Topic => Topic started by: pectacon on November 28, 2017, 09:44:33 am
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Some banks now offer mobile apps where you can deposit checks and stuff on your phone. For convenience it would be great but I kind of don't trust it. I feel like it would be too easy for someone to steal my phone and I don't want all my banking stuff right there on it. Do you do mobile banking?
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I haven't jumped into mobile banking, yet, either. But I've seen my daughter hand her phone to a cashier to pay her bill and have no idea how it works. I would like to learn more about it. I will be a little nervous about using it, myself, but I figure if everybody else is using it, the powers that be have figured out how to make it relatively safe.
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I still haven't done mobile banking though depositing a check with my phone is a tempting thought.
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this is very tempting but i haven't used it as yet
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I have an app from my bank on my phone. It's handy to check on my balance and to transfer money around. I haven't used the check picture thing because, well, I don't get checks.
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I do use it and i have to say that am glad that i have the luxury/ advantage of deposit, transfer, pay bills and check balance anytime without going to the back or keeping track. I also had the same issues/ worry about online hacks/ theft of my phone, but am more comfortable due to security features on smart phones and online banking.
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I've tried depositing checks through mobile banking. It took me a while to get it to work. The check was a rebate check that came in the mail - so it had edges that you're suppose to tear off. I tried taking a photo of it with the edges on and it would not work, the app would only accept the check once I tear off all the edges. So something that'd take people 1 minute took me 15 minutes to complete because I kept trying, even took the check to different rooms to try different lightings lol.
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My son does it but I don't feel comfortable doing that. I think I will just continue doing things the way I feel is best for me.
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I have not tried online banking because like some of you it seems too easy for someone to get and use my info in the wrong way.
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I don't trust mobile banking. With websites being hacked into and phones easily lost or hacked into themselves it is too easy to steal someone's identity and money.
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Yeah, I'm with you, I don't quite trust mobile banking yet for the same reason: I don't trust that I might lose my phone and someone else would have access to my banking info. But I'm guessing in time that will be how most people do their banking. Maybe some day I'll trust it enough to do it myself. :thumbsup:
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Mobile anything rocks my world! I love to collect bank accounts and mobile venues were paying decent bonuses just for opening an account. I have set up my stock purchase accounts, peer to peer lending accounts, forex trading accounts, brick and mortar banking accounts and several point to click/search/survey accounts on my phone. What I really love is that the large percentage of them allow me access with fingerprint recognition without having to try and remember usernames/passwords or go to my thumb drive to determine access codes. Mobile access to the library is yet another delight found on my phone although I have not explored how to access the financial periodicals yet. My phone pretty much pays for itself every two to three weeks. Kind of funny that I make two phone calls a week! I usually text or e-mail everyone. Yet another mobile blessing!
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One of the banks here has it and several used it and love it, I am still not convened it is safe.
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its great and they still have to log in to your account just dont save passwords on your phone.
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I enjoy mobile banking less hassle and i don't have to go in a bank all the time nor do i have to use my laptop for transactions
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I use it and I am glad it exists because it is very convenient
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i tried to deposit my check with the taking a picture of the check to test it for my bank and it didnt work
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I agree mobile banking is tempting, but I am not ready to use it yet. I just don't feel like a phone should be used for everything. Technology is good and dangerous at the same time.
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I think mobile banking is safe. I have done it many times and nothing bad happened.
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i use it to cheak my balance,,,thats it,,,
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My hubby feels the same way you do but I have been depositing checks by taking photos of them with my iPhone and sending them in to my bank for years. There has never once been a problem with it and it sure does save a lot of time.
The only need I ever have to actually go to my bank is just to get cash which is every once in a blue moon.
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I do mobile banking and haven't had any problems. The online banks have much better interest rates for savings accounts if you have money in savings and are looking for it to grow.
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No, that's not one I will be trying anytime soon,I know that in these times, identity theft is all over the place so I try and take caution whereever and to the extent that I can.
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Mobile anything rocks my world! I love to collect bank accounts and mobile venues were paying decent bonuses just for opening an account. I have set up my stock purchase accounts, peer to peer lending accounts, forex trading accounts, brick and mortar banking accounts and several point to click/search/survey accounts on my phone. What I really love is that the large percentage of them allow me access with fingerprint recognition without having to try and remember usernames/passwords or go to my thumb drive to determine access codes. Mobile access to the library is yet another delight found on my phone although I have not explored how to access the financial periodicals yet. My phone pretty much pays for itself every two to three weeks. Kind of funny that I make two phone calls a week! I usually text or e-mail everyone. Yet another mobile blessing!
Tresbn00: You are my mobile mentor. I would like to be like you. Batta-boom, just do it on the phone. I simply don't have the trust yet. It's probably my age and background. I'm 68. However, I'm getting there and open to it...eventually.
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I do mobile banking. I would rather use my laptop for on line banking , but using my phone at times is very convenient, especially for depositing checks.
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With Mobile banking there are so many things that can go wrong. People have been doing it for a few years. I am waiting until all the bugs are gone and security is 100% or even near it.
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Don't use it on my phone but do on my tablet once in a while to do a check on balance otherwise I do all my banking on my laptop or walk over to the bank which is about 5 blocks away. I feel much safer doing it in person
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My son does all mobile banking, and he's never had an issue.
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I've heard about too. My boss write in front of me deposit a check just by taking a picture. She love it.
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I hardly even trust my computer when it comes to banking then on my dam phone I feel like its more easy for someone to hack it.
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I like the idea of mobile banking and may try it some time. But right now I still feel a little too nervous to trust it. I will eventually try it when I feel better about it.
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I have just used my phone in the past month for banking to make deposits. It was really great and convenient. I am not worried about that getting hacked. I think a hack is more likely to come from the Bank in general, or store.
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i love it...it is so convenient...my phone has a fingerprint id which makes it easier also...been doing it for awhile now...
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Absolutely! I do it all the time and it beats driving to the bank! Open bank app, sign in, snap a picture and BAM! Deposit is usually in with 2 to 3 days. It's awesome! :D
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I don't trust doing many things with the mobile. I really don't think much of anything is safe these days but I do use the computer and just check the accounts often.
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I haven't used mobile banking apps. I really don't trust it and the people who can easily get into these apps
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I use mobile banking on one of our accounts and I really like it! I kinda feel bad about doing it though since I'm sure mobile banking is causing people to loose their job. Our bank is practically vacant inside already.
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I love mobile banking...use it all the time. I just make sure that I'm using a secured wi-fi connection (not a public place like Starbucks).
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I only use the mobile banking app to deposit checks. I do not have my ID or Password saved on my phone for security reasons. I log in each time I want to uses the app.
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My son does that. He takes a picture of his paycheck and never enters the bank. I'm just too old fashion. I like it we I can see a teller and we say good morning to each other.
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I do online banking, but not mobile. I'm too paranoid.
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I couldn't live without the bank app... it makes my life so much easier... everything is faster and you can always check everything on the go, wherever you are.
If you are scared about loosing your phone and people accessing your data, you should simply put a lock/pass-code on your phone.
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I'm comfortable doing it
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One of my banks is an internet bank and they only offer mobile deposits. It seems to work fine most of the time. Sometimes I have to do it over and over to get it to go through. And I have a company that send me a check that has to be signed in the middle of the check sideways, the bank won't accept it so I have to deposit that one in my hometown bank. Otherwise it is pretty convenient.
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Some banks now offer mobile apps where you can deposit checks and stuff on your phone. For convenience it would be great but I kind of don't trust it. I feel like it would be too easy for someone to steal my phone and I don't want all my banking stuff right there on it. Do you do mobile banking?
Some banks? ALL banks offer mobile banking. I don't understand how the take a pic of the check and deposit it works. Looks to me like you could do that and then take the same paper check and cash it somewhere else. As for someone stealing my phone I keep a close tab on it all the time. And it is an APP and they would have to have the password to the phone and then also the password to the app so I am not too worried about it. I access a lot of accounts thru apps on my phone.
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No I have not gotten into mobile banking. I prefer online banking on my computer because it just seems safer.
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I use an online bank and don't know what I'd do without it.
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My online bank is a thousand times better than my in town bank. I would drop the in town one, but I like the kids to be able to go into a brick and mortar until they are older to understand finance a little better.
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Yes. I do so with a credit union app. Sites and mobile apps need to somehow include a security camera so they can make sure they recognize you along with any account you have started and that the account only works for you!
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I guess I'm old school and not comfortable with mobile banking yet. I use online banking but that's it for now.
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Yes, I have been using mobile banking for quite some time and absolutely love the convenience of just taking a photo of signed checks and sending them to the bank from my phone. It has worked great for me for years and has all kinds of security features to it that make it a pretty safe thing to do.
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You have been able to deposit checks, and other things, through the computer for quite a while. I understand your concern, but I don't feel it is any less safe than doing it on the computer.
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No,i do not do mobile banking.I come from Hackerville(Europe) and i am afraid.
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The banks have been doing that for quite some time now. It seems to work.
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I don't really trust it either. I rather just go use the ATM or go inside the bank.
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Only done that once........