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What is Mobile Banking | Mobile Banking App

06/01/2020 - Leveraging Digital and Mobile Tools, Tools for Teens, Banking in a Digital World

A hand grasping a smartphone. A hand grasping a smartphone.

Mobile Banking for Life On-The-Go

While many continue to serve their customers as safely and efficiently as possible via drive through, the real secret to banking in the current climate comes in the form of mobile banking.

Concerned with Mobile Banking safety? WesBanco’s secure Mobile Banking app has everything you need to keep your funds and data safe. Keep your Mobile Banking safety and security in check by following these easy tips.

What is Mobile Banking?

Mobile Banking is a part of Online Banking. You’ll use an app like WesBanco’s Mobile Banking app, on a phone or tablet to access bank accounts and perform transactions. It’s a service provided by most financial institutions and is usually available around the clock. App features drive what transactions are available to users, but there are common features available through almost all Mobile Banking apps.

Almost every bank and credit union has some kind of Online Banking solution such as a website, app, or both. These solutions are more robust than some might initially think. While the face-to-face experience at your bank or credit union is most likely unmatched, Mobile Banking can offer many of the same or similar services with the convenience of full-time remote access. Common services include viewing your account balances, making transfers, paying on loans and depositing checks.

WesBanco’s Mobile Banking Features

WesBanco’s Mobile Banking app provides the following features:

  • Mobile Deposit – Deposit checks to your WesBanco account using your mobile device
  • Transfer of funds between accounts
  • Balance inquiries
  • Mobile text alerts
  • Locating WesBanco banking centers and ATMs (with over 55,000 surcharge-free ATMs)
  • Zelle® – a fast, safe, and easy way to send money to friends, family and other people you trust

Mobile Check Deposits

One service available through Mobile Banking is the ability to deposit checks remotely; this is called a mobile deposit. Though cash deposits have to be made at a branch, you can often deposit checks into your account with your mobile device.

Financial institutions use remote deposit capture to deposit a check remotely. WesBanco Mobile Banking app users just need to snap and upload pictures of the front and back of a signed paper check to do this. Remote deposit is convenient and easy but follow the instructions in the app carefully and hang onto the check for a few days just in case there’s a problem with the deposit

Transfers and Loan Payments

Through a Mobile Banking app, like WesBanco’s you can quickly and securely transfer money between accounts. This means you can pull money from checking and put it into savings or even another checking account.

If you have a home, auto, or a personal loan through the same bank as your checking and savings account, you can easily make payments remotely by transferring money from your checking or savings to the loan directly. WesBanco’s app also offers bill pay to make paying everyone from your monthly streaming services to your doggie daycare provider easy.

View a Statement

Mobile Banking also allows you to view statements right on your phone. You can open a statement to quickly access your account number or balance your checkbook. You can download the statement if you need to print it or use it to apply for a loan.

Mobile Banking Safety and Security

WesBanco works tirelessly to keep Digital Banking options safe and secure. Many apps and websites will use two-factor authentication and others will use fingerprint or face scans to ensure that only you can access your accounts. We encourage all our digital bankers and app users to turn on these features and enhance their security.

Another key aspect of cybersecurity in Mobile Banking comes from encrypting data. A secure system encrypts the data transmitted through wifi or radio waves as well as any stored data.

Of course, you should also take steps to keep your account secure by using a unique password and only accessing Mobile Banking on secure networks. If you have any questions, we’re always here to offer our recommendations on how to best protect yourself when using WesBanco’s Mobile Banking options.

Mobile banking is a powerful tool that makes managing your finances easier and more convenient. If you would like to know more about WesBanco’s Mobile Banking offerings click the button below, or give us a call at 800-905-9043.

Explore Mobile Banking

Content is for informational purposes only and is not intended to provide legal or financial advice. The views and opinions expressed do not necessarily represent the views and opinions of WesBanco.

While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.

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